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45-Year-Old Man Struggles to Focus on Studies After Waking Up at 4 PM

Pradeep

Pradeep Pramanik  |260 Answers  |Ask -

Career And Placement Consultant - Answered on Aug 06, 2024

Pradeep Pramanik is a career coach, placement consultant and director at Fast Track Career Consultants, which provides career counselling, soft skills training and placement consultancy services.
Pradeep, who hails from Bhagalpur in Bihar, has worked in the pharmaceutical industry for 15 years in sales, marketing, training and product management roles in companies like Lupin Pharmaceuticals, Elder Pharmaceuticals and Ranbaxy Laboratories.
During his tenure in the pharma industry, he has worked in different states including Bihar, Jharkhand, Andhra Pradesh, Telangana, Karnataka, Maharashtra, Tamil Nadu and West Bengal.
In 1998, he launched Fast Track Career Consultants with the aim of helping youngsters find jobs through the right career counselling, training and placement services.
They also offer HR analysis and appraisal services.
Over the years, he has been invited by management and engineering institutions to discuss education and employment policies, entrepreneurship, soft skills and emerging careers in India.
He has published four books on career counselling and contributed articles to print publications.... more
Vishal Question by Vishal on Jul 09, 2024Hindi
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Career

Sir I wake up at 4.00pm but I can't focus on studies . Can you please suggest best method to avoid sleeping and better apps which I can use to do my work

Ans: Dear Vishal , Normally it happens when you are sleep deprived , though you get but your hand over is still there as because you must be using too much of Mobile or laptop . If so , pl ensure you have a healthy life style , You do physical activities and take a sound sleep only then you can get us FRESH. I don't know if suggesting you to change your diets and make more healthy and full of fibre and protein , you will feel energetic when you get up at 4 am. Pl. sit on your study seat after getting refreshed , concentrate on your books and read with volume , Pl.
note Scanning of pages will never yield any thing.
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Workplace Expert - Answered on Apr 08, 2024

Asked by Anonymous - Apr 04, 2024Hindi
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I am Riya, 17 currently in FYJC Science. I am preparing for IIT-JEE, CUET-UG and NEET-UG next year along with my board examinations. I travel 2-3 hours and study 10-12 hours a day. My problem is I am not getting enough sleep as I have to wake up early. I am not a morning person. Can you please share some tips how I can manage my time effectively for studies without compromising on my health?
Ans: Dear Riya,

Firstly, let me applaud your determination and dedication towards your studies. Balancing preparations for multiple competitive exams alongside your board examinations is indeed a Herculean task, but fret not, as I'm here to assist you in navigating through this challenging yet exciting journey.

Sleep is undoubtedly vital for your overall health and academic performance. Burning the midnight oil is commendable, but if it comes at the cost of your well-being, it's time to tweak your schedule a bit. Here are some actionable tips to help you manage your time effectively while ensuring you get enough rest:

1. Strategize Your Study Schedule: Instead of cramming all your study hours into the night, distribute them throughout the day. Identify your peak productivity hours and allocate your most challenging tasks to those times. This will help you make the most of your study sessions without feeling overly fatigued.

2. Prioritize and Plan: Make a daily or weekly study plan, prioritizing topics based on their importance and your proficiency in them. Breaking down your study material into manageable chunks will not only make it less overwhelming but also ensure that you cover everything thoroughly.

3. Quality Over Quantity: Remember, it's not about how many hours you study but rather how effectively you utilize the time you have. Focus on understanding the concepts rather than just memorizing them. Utilize techniques like active recall, spaced repetition, and concept mapping to enhance your learning efficiency.

4. Take Regular Breaks: Incorporate short breaks into your study routine to prevent burnout and maintain concentration. Use these breaks to stretch, hydrate yourself, or indulge in a quick hobby to rejuvenate your mind.

5. Optimize Your Sleep Environment: Create a conducive sleep environment by ensuring your room is dark, quiet, and at a comfortable temperature. Limit exposure to screens before bedtime and establish a relaxing pre-sleep routine to signal your body that it's time to unwind.

6. Practice Self-Care: Don't neglect your physical and mental well-being amidst your rigorous study schedule. Make time for activities that you enjoy, whether it's listening to music, going for a walk, or spending quality time with loved ones. A well-rested and rejuvenated mind is more productive and focused.

7. Stay Flexible: Be open to adjusting your study schedule as per your evolving needs and circumstances. Flexibility is key to maintaining a healthy work-life balance and ensuring long-term success.

Remember, Rome wasn't built in a day, and neither will your academic journey be. Embrace the process, stay persistent, and don't hesitate to seek support from your teachers, mentors, or peers whenever needed.

As the saying goes, "Work smarter, not harder." So, equip yourself with effective study strategies, prioritize your well-being, and tackle those exams with confidence and determination.

Wishing you all the best in your endeavors, Riya! You've got this!

..Read more

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Stock Market Expert - Answered on Aug 18, 2025

Asked by Anonymous - Aug 15, 2025Hindi
Money
I have debt of rs. 20lakhs which include pl and credit card bill payments and my monthly income is 28k only please suggest how to I am debt free
Ans: 1. Assess and List Out All Debts
List each loan and credit card with:
• Amount owed
• Monthly EMI or minimum payment
• Interest rate
This will help you understand which debts are costing you the most and need to be prioritized.

2. Create a Bare-bones Budget
• List your essential expenses only: rent, food, utilities, transportation.
• Allocate most of your income toward debt repayment: Many people use a “60-30-10” rule—spending 60% of income on debts, 30% on essentials, and 10% on minor needs or savings, if possible.
• Cut all non-essential expenses (entertainment, eating out, subscriptions).

3. Prioritize Payments
Pay expensive loans first: Focus on debts with the highest interest rate (usually credit cards)—this is called the Avalanche Method.
Always pay at least the minimum on all debts to avoid penalty charges or further damage to your credit score.

4. Talk to Your Lenders
Request lower interest rates or extended loan tenures. Some banks and NBFCs might offer hardship or restructuring programs.
Ask about converting credit card balances into loans with lower EMIs.
Check if you qualify for a debt consolidation loan to combine all debts into one EMI at a lower rate.

5. Explore Additional Income Sources
Take up a side job or gig: tutoring, food delivery, freelancing, weekend work, etc.
Sell unused items online.
Any extra amount should go directly to debt repayment.

6. Avoid Taking On New Debt
Don’t use credit cards or personal loans for discretionary spending.
Avoid “payday loans” or instant loans with high interest.

Sample Monthly Action Plan
Step Amount Allocated
Income (per month) ?28,000
Essentials (rent, food, etc.) ~?8,000-?10,000
Debt repayments ?16,800-?18,000+ (60%+)
Other (emergency savings) ?0-?2,000
If your current minimum payments are more than your income allows, you must negotiate with lenders, as defaulting will further hurt your financial health and credit score.

Mindset Tips
• Celebrate small wins; every rupee paid reduces your stress.
• Stick to your plan—discipline will help you get through this.
• Don’t lose hope—many have successfully cleared similar debts with patience and perseverance.

Final Note
Your current income is not sufficient to clear such a large debt in a short time. Becoming debt-free will require:
• Aggressively cutting expenses
• Increasing your income wherever possible
• Negotiating with lenders for the best possible repayment terms
Seek help when needed and stay disciplined throughout the journey.

...Read more

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