Nodira - 101 Ways to Stay Sane
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micro-essays on money, meaning, and random observations that keep me happy.

published "Behind the Geniuses of Literature," "101 Teenagers of Uzbekistan" (@Sunny_Youth) & a few articles)
UGRAD’26 US exchange finalist
also write poems sometimes
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Nodira - 101 Ways to Stay Sane
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i used to have excel sheet once with programs, competitions, leadership summits, summer things with fancy names. all color-coded. my manager kept telling me to use every opportunity available, you never know.

i did it for a while. the applications weren't hard technically as most of them were just fill-in-the-box, write-your-story, list your achievements type of thing. but something about the whole process felt off. like i was trying to compress everything i'd done and everything i am into a clean little profile.

and then there's the linkedin thing. you know those posts, "thrilled to announce i've been selected for xyz program out of 10,000 applicants 🙏" and then a month later another one. and another. and im genuinely not here to judge people who do that, some of those programs are actually great. but i couldn't help looking at those posts and thinking, that's not me. that's not what i want to be doing.
(i was a UGRAD finalist, which sounds contradictory. i think that was just an exception, or maybe i just convinced myself of that lol)

what i want is pretty simple when said out loud: pick something real, give it real attention, and let it grow. a business, a project, a thing, you name it. and just stay with it long enough for it to become something instead of hopping from program to program collecting experiences like they're stamps.
dunno if that makes me less ambitious or more. probably neither.

@summernotes
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i strongly believe most progress gets delayed by avoidance of uncomfortable feelings, sometimes as small as not wanting to text or call someone.
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uzum just made history as the first company in uzbekistan to receive funding from the eurasian development bank (EDB) of $70M.

EDB is basically the development bank for the eurasian region, that is, long-term capital for projects that matter at an economy-wide level. energy, transport, logistics, infrastructure. uzbekistan joined only recently, and typically the bank's first projects in a new member country should be in heavy sectors like above.
so uzum getting the first deal is unusual.

but it makes sense when you think about it. uzbekistan still runs heavily on cash in large shadow economy. and in that context, fintech is seen as a strategic infrastructure rather than a mere tech product. the easier it gets to pay, save, buy on installment, the more economic activity gets pulled into the formal economy and the faster it compounds.
uzum fintech already has 13% of the online payments market and 40% of the installment market. 5M+ cards issued with over 1.2 trillion UZS in deposits raised in a short time. it's clearly penetrating the market, but it's still thin outside tashkent and major cities.

so the $70M will help to accelerate that growth. and the fact that the check is coming EDB, not a VC or a commercial bank, means its being treated as a significant national-level spending.

@summernotes
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the cool thing about being young is that you don’t need to solve your entire life philosophy at 19.

you just need to take the next intelligent step.

@summernotes
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walked past an old woman just now playing Paganini: Violin Concerto out loud from her phone

i was listening to the same piece on my earphones

maybe i do have an old soul lol😭
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lets do some Q&A

going through a lot of changes rn, lots news from work and outside of work, stepping up in short.

so lets talk:

https://t.me/questianonbot?start=1269655786
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📨 Получено сообщение!

⁨i've always wondered what your mbti is⁩

- ENTJ. commander lol

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⁨поздравляю с новыми отношениями)⁩

- ahahah what. i’m not in relationship🙂‍↔️

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⁨what kind of changes ? share share🌸

- stepped into a new position at work, and changed the team. honestly changing who i work with really mattered to me cuz altho i love them, i felt i needed a space to grow more. new environment surely will require some grinding. and the project itself that we are gonna be working on is really interesting, will tell later.
apart from that. developing a new product that we should launch soon. hopefully gonna get investment from Jahongir aka but will see how necessary that is🙌🏻

i felt quite miserable a month ago thinking what my summer would be like. didnt want it to be routine
now tho i can feel there is gonna be some deep focus on work and i love it.
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⁨r u gonna continue ur studies at CAU?⁩

- i thought about it a lot. i did consider transferring abroad a lot too.
now im weighing both options equally. i truly believe that the next few years in Uzbekistan are gonna be formative, and it is a great chance to be among those who are part of this change and building the infrastructure. there’s just so much going on and at such a fast pace (not considering that a lot of it show off but still, progress is there). as opposed to highly saturated environments abroad where you’re just gonna be one of the many. but surely one doesn’t erase the other and i think you can get experience and knowledge abroad and come back to Uzb to contribute. its just i think im lucky to be among the right people at the right time.

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⁨how was ur 2nd course?⁩

- passed very quickly, but a lot happened too. cant believe we’re halfway through uni lol.
the classes we had last semester were more rigorous than before. mostly work ig.
i feel like next few months are gonna be more eventful.

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⁨Girl, I love the dresses and tops you wear, where do you get them from?⁩

- oh thanks🥹💘
dunno different. usually from city mall. but i think the best shops are Pink Island, New Yorker, Just, Stradivarus. affordable and good quality. Zara has got some unusual things too.
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