Your Ultimate Money, Time and Health Guide

College life naale semma exciting, la?

“appdi thaana ma solli anuppuchaanga, aana exciting enga ma irukku, ellam anxieting thaan ma“

Assignments, friends, clubs, late-night maggi moments—it’s all vibing!

Aana here’s the twist: this is also the time to start planning for your future.

Adhukku nu, college fun ah vitra mudiyum ah? Cha cha.

College mudinjadhum, MTH will take over the show. Appo paathukkalaam. Enna..

“MTH ah?”

🧙🏼‍♂️ Money, Time, and Health.

“Ah, idhu ellarum solradhu thaane!”

True, but naan inga lecture edukka poradhu illa. Stay with me.

It’s already the end of this year, and this could be the saviour for your 2025.

You know, if at all there’s one thing you would like to start in 2025, MTH could be the one! Enna thaan MTH nu motham 3 things irundhaalum, adhu moonum thevai thaan; and don’t worry.

I’m here to break it down into konjam simple, konjam practical steps you can start today (don’t wait for the new year). Ready ah?

Let’s go! 💡

As usual, let’s start with Why!

Why MTH Matters in College?

College nu illa, but andha vayashu thaan. Indha vayasu la we’re at the most ideal time to build up your potential. Because, as soon as you graduate, mudinchu. There’s going to be a lot of expectation upon you.

Some of you may be gifted, and get a couple more years of risk-free time. But, trust me, it’s not a “gift”, to be honest — if you don’t utilize it properly.

Money is not the only ultimate thing in life! Even your Time and Health are. From now, we’ll refer to these three as MTH.

And the choices you make in this terms of MTH now, will either make you live better, or leave you saying, “Ayyayo, idhu yen appove start pannalla” when you’re 30+.

Most people in their 30s and 40s have one common regret: not starting to learn MTH earlier. 

But guess what? You’ve still got time, and don’t wait to start. Build the right habits now, so future-you can proudly say, “Nalla vela namma thappichom!”

Seri, appdi enna thaan pannanum?

💸 Money

Nalla Earn pannanum na, nalla Learn pannanum. College subjects sollala. Unga college la solli tharaadhadhu solren.

Managing money ndradhu, is not about being rich; or being smart nu kooda illa.

Just understanding how it works, and staying with some control over your thoughts and emotions.

“Enna nae solreenga? Understanding ok, control over thoughts and emotions eppdi Money management ku udhavum?, — this can be your question.

Aana simple — tell me why did you buy this phone that you’re using now? Was it because, you really needed all the fancy features from this? Illena, because you loved the design, or because your classmates have/suggested it?

Innoru example — our dress kadai ku poreenga? How would you choose a dress? Because you love it, or because the mannequins looked stunning with it, or even worse — because there was an offer that looked amazing?

Seri, whatever — onnu mattum sollikuren.

You don’t need to make a lot of money, you just need to “handle” it.

Eppdi ndradhu, next newsletter la solren.

For now, indha moonu simple vishyangal therinjukkonga:

1. Document your Money on a Notebook. Paper oh, App oh illa.

2. Spend panna micham ellam Savings illa. Save panna micham thaan spendings.

3. Invest nu yosikkuradhukku munnadi, Insure na enna nu paarunga

I tried to show these as visuals, I hope you like it. hehe

The one thing you can trade your money is, for Time.

⏳ Time

Time is valuable than money, yen na… once lost, Money varum. Aana Time uh?

College is the perfect playground to learn time management while still enjoying life.

Seriously, no pressure; and yet you can learn at your pace.

Even if you slightly happen to mess up, you can bounce back!

In my last newsletter, I spoke about Building Systems, and if you haven’t read that, I’d strongly recommend you go read that. It’s only Part 1 of what all I wanted to share. Yet, that’s primary to gain more time from your 24 hours daily.

Else, you’ll continue to feel like you’re the most busiest person on this earth, aana actually there’s no result or outcome to witness later in life.

And then comes the most ultimate one of all the untimates — Health!

🏃🧠 Health

Your Ticket to Long-Term Success nu solluvaanga, but we’re always missing it la..

Let me tell you. It’s ok!

First uh, health is not only physical. Mental health na enna nu theriyum ungalukke.

1. Mental health is needed, and should not be compromised at all. Because, it affects a lot of your other areas of your daily life.

2. Physical health is also needed, but you know… at this age maybe it’s ok to take some tolls on your sleep to work extra on your thing.

If you’re already taking care of your physical health, highly appreciated. Try to stick to it. Even if there’s a time when you need to stop your gym routines, ensure you only leave the gym and the extra proteins part, and do not leave the discipline you gained through this workout process.

Taking care of physical health is not just going to gym and working out.

Naan recent ah connect panna students niraya peru, find it even hard sitting for so long, and walking for even a short distance. For such people, even a quick walk, stretches, or even playing odi pudichu vilayaaduradhu counts!

For your mental health, sollave vendaam. You guys know it already, but cannot do it.

But, naan solradhu try pannunga, it will be actionable for you!

1. Before going to bed, have a Notebook and a Pen with you. Midnight la edhachum mandaila oduchu na, just write/scribble it out there. This can also be your next day’s plan. Remember, we discussed this in Building your Systems. Yes, connect the dots.

2. Every morning, as soon as you wake up, write everything that comes to your brain. It can be the part of your dream that you still remember, or a thank you note, or your action plan for your day, etc. Again, connect the dots.

Neenga vera onnum panna venaam. These are the only actionables for your mental health, day in and day out. Matha ellam will fall in place, and we’ll discuss them in further newsletters.

Apart from these, there are some things you need to keep in mind. Just keep in mind thaan. Panradhukku edhum illa.

Ellam therinjadhu thaan. Just my reminder for you.

1. Don’t expect too much from you, or any much from anyone.

2. Between winning an argument vs your mental peace, choose your mental peace.

3. Everyone feels low about their work at times. It’s absolutely normal for a human.

4. When it comes to your existence, both your body & mind are your partners in everything you think and do.

Aama, naan sonna maadhri unmailaye don’t do anything as an action for these. Just know this, and keep in mind.

Maybe write them down on a paper and read it every morning. Vera onnum illa.

Ippo mukkiyamaana vishyathukku varuvom!

For both physical + mental health, there’s one thing you need to do in common. Romba romba kashtam. Aana, bayangara effect uh.

Enna na, stopping to eat junk. haha.

Indha newsletter read pannittu odane stop pannanum nu illa. But, stick to your micro actionables I mentioned above.

Eating side la, namma konjam konjam ah varuvom! Just relax for now.

Ellam ok thaan, aana..

After a few days, ella motivation um poirum eh…

Adhukku thaan, namma environment ah nalla vachukkanum. Namakku nu oru System build pannanum, etc. Adhellam pannalum…

And, I can very well say — with people like you in place, Think Digital is such a place where I can see and find a lot of inspiration from what you all do.

Similarly, neengalum unga people ah namma community la irundhu kooda discover pannalaam, but don’t just limit to this one community alone.

✅ Connect with Mentors, Seniors, professors, or LinkedIn professionals, and ask them how they deal with their life, and balance their MTH.

✅ If you’re a Non-Teedian, apply for communities like Think Digital where learning, growing, and sharing happens naturally

✅ Collaborate with Peers, by forming a gang to share tips, hold each other accountable, and grow together.

Don’t worry!

Idhellam namma Newsletter readers ellarum sendhu pannalaam.

For that, let’s join the chat below:

Your MTH, Your Future

😂 On a serious note, Money, Time, and Health la verum concepts mattum illa, seriya?

They’re the foundation for a good & happy life. Inniku kooda, some of you ask, how I lead a happy life, managing my sleep, family, content, deal with time, health and still keep building Think Digital community.

Honestly, naan onnu perusa pannala pa. I do take tolls on certain aspects of my life, and there are some advanced techniques I take up to handle all of them. Adhu therinjukkanum na, ippo you need these basics.

And, everything I share as an actionable through my newsletters are the very same thing I did in my life; and you can implement them too.

One thing if you notice — nothing of these actionables are complex or depending on others. It’s fully under your control.

Still, easy illa thaan, but impossible um illa.

And guess what? Starting now isn’t just a best, but also the smartest idea!

Theiryum, “yerkkanave niraya poitu irukku na.. idhellam eppdi start panradhu ne theriyala na..“ Podhum podhum! Stop. I know what you guys will say…

Adhukkellam ore oru secret word: ”SUBTRACT!”

Enna nu yosinga, but ensure you start with your actionables I’m sharing with you.

Very soon, we’ll speak about this “SUBTRACT“ concept.

Cheers to your journey 🚀

Yours Sorcererily,gsthina

PS: If you find it difficult to implement any of the actionable items I share, just put up a message in the chat below.

Message in the Subscribers chat