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5 Tips For Living Like Royalty on a Tight Budget

5 Tips For Living Like Royalty on a Tight Budget

“Cash rules everything around me, cream get the money, dollar dollar bills ya’ll”, are famous lyrics rapped by none other than the infamous hip hop group the Wu-Tang Clan. Albeit, not overly eloquent in its execution, the sentiment is undeniably true. Pretty much every step in our life is governed by our monetary circumstances, meaning that balancing the books is a fine art.

So, if you’re not one of the lucky few who was born into an oil baron’s family or you didn’t invent a social media page that went bonkers, you’re probably apart of huge crop of individuals experiencing the challenge of getting on top of payments and struggling to save.

When looking at the old bank account, the knot in your throat might be suggesting a visit to a public library or prompt you to Google, “free things to do in my city this weekend” as a few tears pour out, (but only a few, the lack of sustenance you can afford will only produce so much!) Don’t fear, unless you live in Mogadishu or Kabul, there are plenty of ways to live like the Wolf of Wall Street and still fulfil your cash money goals.

So, where to? It all starts with budget and planning. Yes, the old ‘budgeting’, approach. No doubt we’ve all heard this method a hundred times from parents or that annoying accounting student we all know. It’s constantly mentioned for a reason; it works. It doesn’t matter if you’re earning mega benjamins or only a few, you have to look at what is coming in versus what is going out.

This helps you work out where you money is going and can then help you develop a strategy to start racking up pennies. Once you got a budget, you can then plan expenses by planning your life. You can plan a week of meals, transport, social hangs, whatever, meaning there will be no surprise costs that strike up like a jack in the box leading you to sing for extra coins at the train station.

We all have essentials and desirables. One obviously takes a bigger priority for quality of living, but here a few tips to merge those wants into your everyday hustle.

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1. Eats

Food on a table

    We all gotta eat. For your everyday life though, buy in bulk. With your grocery expenses buy for most meals of the week. Leave a few meals spare for eating out with mates and/or romantic mates. Yes, I feel ya, you’re probably thinking,”Eating out?! Isn’t that the worst? So expensive”. You’re not wrong, however don’t worry, I got you. As long as you’re not dining out everyday, there are plenty of ways to eat out on a budget.

    First move, get on social media, no not to perve on hot people or watch funny cat videos, get on there and follow any local restaurants, bistros, diners, bars, if it serves food, follow it. Food businesses and eateries are always posting deals, ranging from 2 for 1’s, discount hours, special offers, events, it’s how they market and build customers, why not take advantage?

    For budgeting purposes you can save bulk dimes and still enjoy the luxury of someone else cooking you up a feast.

    2. Stay Fashion Relevant

    A woman in various outfits showcasing fashion

      You might remember that moment at school when you’re sported new sneakers or mad clothes and the whole class was like “Damnnnn!!!!”. Contrarily, you also might remember that moment where you got picked on for wearing daggy threads or looking like a Kmart mannequin. Fearing that the latter may come again due to budget constraints? Stay calm, a world of affordable and trending fashion is out there.

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      Companies like Asos, H&M, Zara, the Iconic, present magic and freaking awesome options for styling up a storm. Forget about the last catalogue of Abercrombie and Fitch and Ralph Lauren, you can pick up quality plain tops, sweaters, shirts, pants, jackets, shoes for anywhere between $10 to $40 and look fit for anything from a fashion show to an ivy league party.

      The rise of the hipster and serious gentrification has meant picking up second hand apparel is also a cheap and stylish option. Fortunately, op shops are everywhere so get rummaging. The world of fashion is no longer all about labels, it’s about style and there a plenty of sources available to maintain yours on a budget.

      3. Date Nights

      Wine and Candles

        Candlelight: the perfect real-life Instagram filter.

        You don’t have to hire Hitch to spark romance or maintain it. Staying in with your significant or attractive other provides great ways to inspire love, cuddles, romance and even savings on the finance scene. Ever heard of “Netflix and Chill?” Yes, while the term has its dubious associations, it is a darn impressive service full of great, versatile content for just over $10 a month. There’s something for everyone and every mood.

        Cosy up on the couch and watch classics or discover new favourites. Don’t hesitate to follow your local cinema on social media if you prefer a bigger screen, just like restaurants, they’ll be promoting hot deals too. Or, If you happen to be a Masterchef, cooking in at home can serve up a dish of good times and speaks for itself when saving cash.

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        If you’re going to, make something edgy like burritos, arancini balls, something that is fun. Pair this with a bottle of wine or drink of preference, light a few cheap candles, dim the lights and voila, you’re on your way to recreating a scene from The Notebook. To throwback a few paragraphs, pair your date/s with a local dinner deal, even better!

        4. Bulk Gains, For Less Cash

        A woman stretching on the beach

          Provided you’re not living under a rock or militantly disbelieve basic science, exercise is pretty important when it comes to your health. Luckily, we live in a time of #fitspiration. In a nutshell, you don’t have to fork out bags of cash to stay fit and healthy, nor have you ever had to. There are plenty of cheap, small 24 hour gyms that offer more than enough for your everyday sweat and shred production.

          If budget doesn’t permit, your heartbeat can still be increased by more than just your financial anxieties. The internet is a great place to resource intel on exercise. Take notes, then hit your local park or lounge room floor and get sweating. Remember that push-ups, sit-ups, squats, running are all free and still widely used in military and professional sporting team programs. Last I checked, those guys are pretty cut.

          If you’re chasing zen, check your local council or shire as many throw free Yoga and Tai Chi classes. For more #healthyliving tips on the cheap, follow fitness fanatics or athletes on social media outlets to get even more daily workout and exercise tips. Do you even lift? No excuses.

          5. Grind and Hustle

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          A woman walking 4 dogs

            “I need a dollar, dollar, dollar man what I need,” Aloe Blacc isn’t wrong. Having an actual income when assessing finances and budget is a pretty good start, (obviously). But if you’re unlucky enough to be working hard for less, or just need more capital on top of your paycheck, the world is your oyster to make a few extra scraps.

            With a global service like Uber, you can drive up the figures displayed in your bank account. All you need is a car that meets the required specs imposed by Uber, and then let the extra cash floodgates open. If you’re not riding dirty in the vehicle game, there are plenty of creative alternatives.

            For example, roll deep with a couple of canines providing your own dog walking business. Not only does it give you great company, it’s also a method to integrate fitness while earning dosh. If you’re one of those weird people allergic or just don’t happen to like pooches, look to jobs posted on things like Gumtree or Craigslist. House-sitting, cleaning or even selling some of your possessions are easy and generally stress free ways to generate remuneration.

            Failing these options, pick up a part-time job at a bar or restaurant, a fantastic place to earn wages, get cash tips, and socialise. Eat, sleep, earn, repeat

            Alright, we may have overstepped the mark when saying live like royalty. Unfortunately that privilege is only destined for a select crop of lucky individuals. So if you’re eating rice in the dark in your apartment, with bills coming in while seeing your friends tagged in photos out and about, turn that frown upside down.

            There are countless methods to live a stimulating and adventurous life on a budget. Need help budgeting? Why not seek out a professional wealth advisor, the pay-off from an investment like this could be the ticket you need to your financial success. At the end of the day, it’s your life, your money, your budget, your goals, treat yourself where you can and know full well the world offers more than just paying the man.

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            Last Updated on August 20, 2018

            30 Fun Things To Do With Your Friends Without Spending Much

            30 Fun Things To Do With Your Friends Without Spending Much

            Spending time with friends is, in and of itself, a great way to pass the time without spending a lot of money. But if you and your friends are used to going out to clubs, pubs or eateries together as your way of hanging out, then you can change it up a bit and save some money too.

            No matter where you live, there are plenty of places to go and do fun things that don’t cost a lot.

            If you are having trouble convincing your friends to do things on the cheap, then be upfront with them. Tell them straight out that you can’t spend that kind of money right now — and don’t let them pay for you either. But here are some great alternatives you can offer.

            30 Fun Things To Do With Friends Without Spending Much

            1. A potluck dinner party. Host a dinner party and ask everyone to bring a dish to share. If you are not comfortable with cooking, maybe try and learn how to cook a new dish together with your friends.

            2. Host a spa day. Give each other manicures. Try out new hairstyles. Make some facial masks or exfoliates using natural, at-home ingredients. Then drink mimosas.

            3. Movie marathon. Log into Netflix and watch every episode of “Stranger Things” Or do an ’80s movie marathon, watching “Pretty in Pink,” “The Breakfast Club” and all of our old favorites. Don’t have a Netflix membership? Get the free trial just for the marathon!

            4. Pinterest party! You know all of those cool Pinterest crafts you say you’re going to do? Do them. At home one night with friends. Then make up some of those bacon-wrapped whatevers you’ve been dying to try!

            5. Go to the park. Pack a picnic. Hang out. Watch people. Play on the swings.

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              6. Have an organization party. Set up a day of each weekend where you go to each of your friends’ houses and help them clean out a closet, a room, a garage, whatever. Serve drinks and food and trade stuff among yourselves.

              7. Hold a yard sale. After all of that cleaning, why not hang out together and make some extra cash too?

              8. Concerts in the park. All summer long, many parks host free concerts. Go with your friends. Hang out, bring a picnic dinner. This is a very relaxing way to chill out on a hot summer night after work.

              9. Volunteer together. Offer to do the yard work for the local senior center or hang out with the kids at the YMCA. After a few hours of volunteering together, you will have new respect for each other and something new to chat about.

              10. Play board games. Drag out the Scrabble or the Yahtzee. You can hang out and play all sorts of games with large groups or small ones. Hold a tournament and compete against each other. Here’re some board games ideas.

              11. Video game tournament. Not into board games? OK. Well, how about a video game tournament? Whether it’s the latest dancing game or “Call of Duty,” play against each other and award prizes (or food) to the winners.

              12. Grab a ball and a bat and go play baseball at the local park. Grab a basketball or a tennis racket. Most parks have courts and fields you can use for free as long as there isn’t an organized event going on.

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              13. Go to the school play. This might cost a little for admission, but it’s a great way to support your community and have a fun time.

              14. Iron Chef night. Bring your friends over and have an Iron Chef night where you cook dinner out of only the items in your pantry. No buying anything!

              15. Go dumpster diving. Yup. I said it. Check out the dumpsters in your area and see what you can find. You might even find dinner! Here are some tips for respectful diving.

                16. Go to yard sales. Take all that money you made at your yard sale and cruise around your town together looking for cool stuff. Maybe you could even fix something up and resell it.

                17. Go fishing.

                18. Go camping.

                19. Find some cool trails around your town and go hiking. Here’re some of the best hiking trails you should try.

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                20. Get out the bikes and bike everywhere for a weekend.

                  21. Dig out the old croquet set — or borrow your Mom’s — and play croquet. Do it! Totally fun.

                  22. Swap movies and music. Have everyone bring over a box of old movies and CDs they don’t want anymore — or don’t watch anymore. Then swap with abandon.

                  23. Go on a walking tour of your town. Most towns or cities have a historic district. Find out if there is a walking tour available. If not, make one up!

                  24. Scavenger hunt. Put your friends to the test — yes, this is for grown-ups — to find different things in your city…like a certain bike rack, a vintage sign, that sort of thing. The winner gets a dinner cooked by the losers.

                  25. Find out when the free days are at your local museum or zoo. Most have them and they can be great fun to visit with friends.

                  26. Hold a quilting bee. No, you don’t have to be fancy — or old — for this. Grab some old T-shirts that you love, old jeans, whatever. Cut them into squares and sew them together. Who knows? Maybe it will become a regular thing?

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                  27. Go to Open Mic night. Your town is likely harboring some great talent at an open mic night that has no cover and cheap drinks!

                  28. Go to a religious service. Even if you’re not religious, going to a service in an unfamiliar religion can be enlightening and a great way to meet new people.

                  29. Find a swimming hole. Head to the old town swimming hole — or find a new one. What a great way to spend a lazy afternoon with friends.

                    30. Start a book club, card club (canasta anyone?), sewing club or scrapbooking club. Something you and your friends like. My parents used to belong to a cooking club where once a month all of their friends gathered at one house and the host family cooked a meal from a different country. I learned a lot about food that year.

                    You don’t really need to spend much to have lots of fun with your friends! Pick a few of these ideas and start trying them out this weekend with your friends!

                    Featured photo credit: Unsplash via unsplash.com

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