DNI Lifestyle

Being a digital nomad could be one of our life most accomplishing endeavor. why? It’s what we really love doing. However, our job comes with a lot of sacrifices, such has been on the road most of the time, no time for the family, no time to play with friends. We miss out on all these important stuff just because of the nature of your job, we do not need to feel bad about this. Why? Retirement can make up for them all. Yes, retirement, we are likely to spend three to four decades of our life on retirement, every of the decisions we make after retirement is very vital and key towards the kind of fulfillment we’ve always dreamed of in life. Therefore the need for proper planning. Below are some of the very important things you need to do before you retire as a digital nomad from India.

Prepare a balanced budget

You are most likely going to have a reduction in income due to retirement. The need for you to prepare a quarterly or yearly close balanced budget. Your financial independence is very vital your sustenance and upkeep after retirement.

Ensure Your Debts And Mortgages Are Fully Settled

Ensure all your debts and mortgages are fully settled, if you want to buy a car or a house, buy them now and pay in full before you retire. It could be very ugly settling debts and mortgages with your life savings after retirement.

Find New Hobbies

You might think you have solid plans for retirement. But how sure are you they will all pan out as planned? You need to develop new hobbies now, find new things you love doing aside from being a digital nomad. This will foster your reintegration into a new life, retirement could mean the new life.

Focus on your Health

You might not get the best out of your retirement if you do not take care of yourself now. Go for regular medical check-ups, eat good foods and be mindful of the things you eat. Most importantly, watch for your sugar level, diabetics, hypertension and terminal diseases which might develop now and begin to show symptoms later in life. This ailments are common among retirees.

Consider life insurance

Payment of insurance might be too expensive for you to afford after retirement. If you can’t afford it now, save for it and pay before retirement.

Project on how much your savings will worth on retirement

This is very pivotal to the planning of your monthly or quarterly retirement budget.

Consider Long-term health insurance

We never can tell, anybody can develop any sort of ailment at any time, we do not have control over that. But, we have control on how to mitigate them peradventure they occur, your health care insurance is the gateway to a better health now and also in the future.

Set up emergency fund

You never can tell what life will throw at you after you retire from the digital life. Set it up now while you can so that you won’t be forced from spending from your savings account which might derail you from your retirement goals.

Valid Investment portfolio

You might need to invest in properties, real estate or stocks now. When you retire that might be your only source of steady and stable monthly income aside your savings.

Create more time for family and friends

Yes, you are always on the move, but then create time for your family and friends. By the time you retire, they might all be too busy with life and you might become so lonely and bored.

Consider house planning

The cost of maintaining a bigger apartment while you and your wife or husband will be the only once around might be on the high side. Consider relocating to a smaller apartment to save cost after retirement.

Consider cutting cost to save more

What is the need for the vehicle parked in your garage in India while away in the US for work? .Since you are always on the move, dispose it and channel the fund to your savings or invest with it.

Marriage

Owing to the nature of your job as a digital nomad, getting a life partner while you are always on the move might be very difficult. Marriage can be very expensive as well, marry now and save yourself the stress and cost of marriage at retirement.

Do a Trial run

Take three or four months break from work. Model your life into that of a retiree, this will give you an idea about what your retirement life will look like

Lower your risk taking  capacity

Taking unnecessary risks might have a significant impact on your retirement. Reduce your risk taking capabilities in all your endeavour before retirement. Do not go on mountaineering without a guide, you might suffer a fracture, which might to using a wheelchair at a later age.

Set your retirement goals

Life begins after retirement, you need to set your retirement goals and adjectives now.

Decide where to live when you retire

For a digital nomad, nobody travel like we do. Having visited a lot of countries and places, you need to decide and make inquiries about a place you will love to live when you retire.

Boost your cash reserve

Save more and spend less. Save for your retirement days.

Set up college/trust fund for your children

Yes, this is really very vital for digital nomads that have children who will most likely be in college at the retirement age.

Reconsider your retirement date

If you are not so happy about your set retirement date, you may need to reconsider a new date. This is the beauty of your job as a digital nomad. You quit when you want to, there is no retirement age.

Above all, as digital nomads, we decide whether to retire or not. We just have to continue doing that thing that gives us a sense of accomplishment and fulfilment in life.

They say that a simple real story can inspire many others. So here we are, at Digital Nomads India, presenting yet another inspirational and interesting story of Jeremy Noronha.

Lets begin,

Here is Jeremy giving us a deep dive in his life –
Digital Nomads India
As a little kid, I used to hear stories and read articles of people who traveled the world for a living and I was always starstruck! That entire idea felt so distant being born into a middle class Indian family. I remember that I once wished and dreamed I could become a popstar and travel the world but on retrospect I was more in love with the freedom to travel the world, than actually being a popstar or the fame that came with being a popstar.

Digital Nomads India

Growing up in a family of academia with an uncle with a PHDs and having a principal for a mom in Goa, India, I had only 2 choices growing up, either I would grow up to either be an Engineer or a Doctor. Even being an accountant would make me a black sheep and an outcast of the family. The path of most of my life until recently wasn’t really under my control.

An average day during high school consisted of attending classes learning unpractical stuff I’ll never use in the real world from 8am to 3pm and then attending additional coaching classes until 8pm to get into universities that were pumping out millions of engineers, where most of them never wanted to down that path. Engineers that would be better off with a paintbrush or a guitar.

As February 2016 came to an end, I sat in class to answer my internal tests for the second semester of engineering. Midway into the exam, I looked around the class, looked at the piece of paper in front of me and it finally dawned on me that nothing that I was learning would actually help me in the real world, that I was wasting my time and this degree would never help me achieve what I wanted out of life. So I finally took the leap, walking out of the exam hall never to enter a class again.

After dropping out of college I studied used the free resources available on the internet. From auditing courses on Edx.org for the knowledge to Googling, “How do I ____?” with the goal I want to achieve in the blank. Reading, learning and then executing.

In March 2016 I started a travel blog at Think Travel Lift Grow, I was so bad at tech that it took me nearly a week using Youtube and Google to have the blog up, a process that can be done in 20 mins using a guide I wrote on my site. In the process however, I learnt how to build basic websites.

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At the end of April 2016, I finally left Goa with everything I owned in a single 50 Litre backpack and 200$ I had after saving Christmas and birthday gifts. I set off to Nepal.

Once in Nepal, I started building websites to make ends meets, I didn’t have a portfolio other that my basic blog so it would be tough to get clients online, also the competition was fierce.

I got my first clients not thanks to some “secret” or a “hack” but actual hard work. I typed cafe *city name* into Google and made a list of all the cafes, then filtered down to the ones which were active on social media eg Facebook. Checked off the ones that had a website and finally I was left with a list of cafes that understood the benefits of marketing on the internet and would benefit from a website.

Digital Nomads India

Now that I had a list, I then went cafe to cafe and tried to convey about how having a website would benefit them. At the end of the day, I had a client. At the same time, my friends and fans of my blog who now contact me everyday who have 10X-100X the level of skill I did are complaining about not being able to get clients.

It’s about doing the things most people aren’t willing to do, to live a life most people won’t ever get to live. I don’t believe there is a  “secret” to success it’s smart then hard work eg, instead of going to every cafe, I narrowed my list down to the cafes that understand the benefits of online marketing but didn’t have a website yet!

I did that for 6 months as I traveled, Nepal, Bhutan and Northern India. In the background I put a lot of work in my travel blog, I wrote a lot of helpful articles that would bring a lot of value to people! Learnt all the necessary skills in the industry to make it successful, eventually the hard work started to pay off as the blog started making enough to cover my expenses.

During the same time, I’m sure my counterparts would complain about their circumstance or about how they can’t get clients. Guess what? If you want something bad enough you will find a way. You have two options with everything in life, find a way or an excuse.

Currently I also work as a SEO consultant for businesses. Instead of entering this industry with fake promises, I kept my head down, was silent for over a year, learnt everything, put the work into my own blog and got my 13 month old blog on the first page of google for many queries and on the second page for competitive ones like “make money traveling” and then talked about SEO. We live in a time when everyone is fronting themselves without having actual results to back themselves.

It wasn’t all sunshine, rainbows and unicorns though, during the times I was building websites for cafes there was once a time when I was completely broke, my bank account was negative and all I had was a jar of peanut butter for my meals for 3 days. I could’ve given up and gone back to the shelter and umbrella of my parents but  I knew I would have to put in the work if I wanted to make my dreams a reality.

I stopped building websites around September by which time I had left India and made my way to Sri Lanka where I spent a month learning to surf. After that I made my way to Vietnam where I fell in love at first sight.

Fast forward to now, May 2017, since October 2016, I have spent 5 months in Vietnam, lived in different places, traveled the whole length of the country. Also visited Cambodia for a month and celebrated Christmas and the New year’s there! I’m in Laos as I type this and I am going to go back to Vietnam at the start of May and spend some more time in Vietnam as I loved it soo much.

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My thesis isn’t that everyone should “quit their job and travel the world” or that just leave everything and travel. My thesis and what I preach is to do what you love. Currently I love travel which is why I’m going to travel full time and live in different parts of the world over the years and maybe decades. If tomorrow I feel like I don’t really like to travel, I would just stop.

I started a coffee vlog on Youtube where over the next couple of years I’m going to go around the world drinking different types of coffee, from the best cafes and farms around the world and review them!

The internet has created more opportunities than most of us can even contemplate. I’m not lucky! I hate when people call me that, everyone reading this has the same resources I did when I started. You have the internet *the information highway* at your fingertips!

Digital Nomads India

I believe that life is the greatest adventure you will ever will have and it should be lead as such. So whether it’s asking that cute girl/guy in the cafe out on a date, climbing a mountain or traveling the world, you just got to try, push yourself out of your comfort zone and embrace the unknown.

— If the above story seems inspiring, do share with others. Happy Traveling. 🙂

A huge decline in corporate employment is taking place as more and more people take on the digital independence movement. Why would one want to work in an office all day when the opportunities to work remotely with the aid of digital technology is increasing each day? Here are a few differences between in-house jobs and remote job after which you will see the above asked question is already answered.

Communication

While it’s a common fact that location independent workers rely on messaging, voice calls and email as means of communication with others, it is determined that office workers use these means of communications at twice the rate location independent workers make use of it.

Internet

A many office workers has been in a similar situation, the notion of surfing the web during company work time is still highly speculated. A location independent relies on the power of internet in order to do required research while an office job provides you with all necessary research to productively do your job. It is seen as a general violation of company protocol if an employee surfs the web during office hours as this is seen as not doing ones job.

Efficiency

Team work is often required when working in an office environment and with clashing personalities (as all work sectors have), working together can become a hassle. When working remotely, team work is also required at times but with technological devices such as Skype, meetings can be kept short and to-the-point without having to step on toes or have your toes being stepped on.

Employment options

Should you choose to work in an office, you would need to either search for a job opening that is close to you or you can travel to and from each day without having to adjust time schedules. In contrast, should you choose to work remotely, you can choose from any employment industry opening you may find. A number of requirements will be needed like any job would and if you fill all those requirements, you can apply for the job, no matter where you are. You would need a secure internet connection in order to communicate effectively but the limitations are very few.

For the employer

If you’re an employer, you need to think of several options when looking for new employees and how their work location will impact them. To determine this, you need to ask yourself a few questions:

  • Will my employees by more efficient if I place them in a crammed office space or in the comfort of their own environment?
  • What will the level of interaction be when I place them in an office or let them work remotely?
  • Will I be able to better motivate them in an office environment or from a remote location?
  • Will I able to get the correct employees from where my office is located or do I branch out to international candidates to work remotely?

When taking these questions into consideration, not only will an employee be able to make the right decision, but the employer as well.

When your life is all about making friends and connections on the road. A lot of these friends become contacts you need in your professional life. Apart from maybe getting new assignments, you may also need their professional services sometime. Here are some people who could help you out during your travels:

A Travel Agent: When you have to take off at short notice, a friend who’s a travel agent can get you the best and cheapest fare. They also have news about good deals and if their own network is extensive, even some competitions that have getaways as prizes. In any case, having a travel agent as a close friend ensures that you’ll always get tickets whenever you need them.

A Health Advisor: The benefits of having a health advisor as a friend are countless. The risk of facing a medical emergency is a serious possibility when you’re on the road. Vaccinations are an important part of international travel and they can also advise you about what medicines are legal in other countries. Having health professionals as friends is also an opportunity to educate yourself about emergency medical procedures like CPR and first aid.

An Emergency Finance Pal: When your clients are delaying your payment and you need to move on in life, you need a friend you can borrow money off temporarily. Also, in case of financial emergencies while travelling, they should be able to send you money on short notice. Needless to say, this should be quite a close friend who doesn’t mind you borrowing money occasionally.

A Fellow Traveller: Fellow digital nomads who have to travel like you do are very valuable friends. They know where you should head to, or where not to head to and can become your biggest general advisors. A lot of networking online is based on swapping information and they of course make great travel companions too, in case you find yourself going to the same destination. These friends are the best emergency contacts

An Admirer Of Your Profession: And finally, it doesn’t hurt to have a friend who thinks your travelling work life is the best thing in the world. They can sing your praises and convince your skeptical relatives that your job is meaningful even though it doesn’t involve sitting in front of a computer all day long. They are the ones who spread tales of your adventures far and wide and can even drum up some business by unofficially publicising your work.

Asking for help in the digital world is easy because you are connected to countless like-minded people. Apps like Twitter are a great resource for connections like these and new information is always pouring in. These are technically what is bringing the world closer together and making travelling much easier for a lot of people. Always make sure you have such people to keep yourself safe and make the most of your travels.

We’ve all had those times when we question our digital nomadism for various reasons. Maybe there’s a lull in the assignments or we genuinely have run out of money or we miss our families. At some point or the other, we all contemplate the safety and security of a stable job. It’s mostly just a phase that we go through, but here are some ways to combat that low.

Remember that you chose to travel: The reason you are not stuck in a cubicle working Mondays to Fridays and craving weekends is because you wanted to escape the monotony that came along with it. While everyone may have different reasons for choosing to travel, the motivation behind your decision is the same: to break free. If you ever doubt that travelling is worth it, imagine yourself back in that cubicle and you’ll find your answer.

Revisit special places: As a reminder of why you chose to travel, go back to the places that inspired you to travel. Revisiting spots where you learnt something or had a moment of self realisation or simply felt at peace with yourself can help you remember why this nomadic life matters to you.

Head to that dream destination: Everybody has a dream trip planned, that one destination that they want to eventually head to. When you find yourself jaded by travelling because of itchy feet, head to that destination. It will remind you why you love travel and give you motivation to continue travelling. Besides, you get to plan a trip to your next dream destination.

Keep in touch with family: When homesickness hits, call home. Talking to your loved ones will definitely make you feel better. If you miss your family too much, take some time off travel and work to spend some time at home. Returning to your old room can be a pleasant change from waking up in unfamiliar hotel rooms and can be a nice break from moving around.

Take a break from digital-nomadism: Yes, we said that! If you have been on the road for long, this may wear you off. Hence, take a break from digital nomadism and spend time may be a few months by working from home, not necessarily take up a full time job. When you go back to mundane life, the magic of digital nomadism will capture you all over again.

Speak to non-digital nomads: When you speak to your buddies and family members about regular stuff, you suddenly realize that you have somehow come miles ahead of their thinking and being. They still talk about ordinary things that are crafted out of societal pressure. You definitely don’t want to be one of them again, you can’t be!

Travel changes you for the better and is the best teacher. Imagine the person you would be if you hadn’t taken the chances that enabled you to travel and learn things. While everyone considers their student days to be behind them, travel teaches you things that no one can teach you in a classroom.

You learn skills like tolerance, communication and awareness that make you a citizen of the world. Guess we can all agree that in today’s world, it is these lessons that are going to prove humanity’s worth. It beats a desk job any day.

For all of us in the business of freelancing, let’s be honest, we’re broke more often than not. The endless vicious circle of “quit job – no money to travel – get a job – no time to travel” is a hard one to escape. Even if you do have a career that entails travel, many of us find ourselves stuck in our hotel rooms tapping away at our laptops rather than taking time off to get out. While there is no perfect way to achieve this, here is how digital nomad strikes work-travel balance:
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You would be forgiven if you wrongly thought that travelling Freelancers have no challenges at all. The truth of the matter is the they are faced with an endless list of struggles during each new day of exploration. In this article, we shall list a number of the challenges associated with most digital nomads.
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Clearly, the majority of people thy have left jobs they used to hate and indulged in travel freelancing kind of life are well-off now. However, this is by no means a guarantee that you will also have to succeed from the go in case you leave what you do for the same. Life is full of surprises and uncertain occurrences. Continue Reading

Being a remote working nomad, often means frequent trips to other countries and moving around a lot. Since some of these trips last only for a couple of weeks, packing everything is probably not the best option and it is better to bring only the essentials on these travels. In order to feel comfortable, most of the digital nomads already have pre-made lists of things to bring on their journeys. This makes it a lot easier, simply because some of the items on the list are necessary for everyday living while others may come handy in certain situations. For instance, a good laptop that has a strong battery is for some a must have thing while traveling. Let’s take a look at some of the essentials that you should bring with yourself if you are a digital nomad. Continue Reading

Being constantly on the move – life has its rewards but challenges too. Travelling all the time and maintaining a steady job on the go can be quite a daunting task. Remaining efficient and consistent at your job and constantly being on the top of things is difficult. These few tips might can help – Continue Reading

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