“If you want to know what God thinks of money, just look at the people he gave it to.” ― Dorothy Parker
Do you regret not earning truckloads of money that could buy you the luxury life you’ve always wanted? I’ve seen people become depressed because of their poor finances. Many teenagers miss out early in life just because their parents cannot afford the latest gadgets their rich friends can afford.
However, money is not everything. Money might buy you things that make you feel happy, but happiness from within is what money can’t afford.
I have a lot of friends who have very little money to spare, yet live a rich life. Their lifestyle, their personal satisfaction, and their acceptance of themselves are what makes them seem rich. Non-monetary things can also make you happy – and believe me, they will be your biggest asset in the long run.Advertising
Here are a few ways you can live a rich life without lots of money.
1. Learn to accept yourself
It can be hard for you to understand that money should be not a top priority. You can become rich in an instant and then lose it all the next day. You need to replace your personal desires with acceptance and learn to stay happy with what you have right now.
Seek inner peace and learn to control the uncontrollable in life. If you find yourself obsessing over things you want but don’t have, take a paper and write down that it’s okay to not have those things.
2. Become creative
You need to become creative to manage your personal finances and remain happy even if you don’t have much. If you are rich, you buy. If you are not rich, you create. Yes, not having much money can help you be creative.Advertising
Learn to find happiness in small things. Draw a picture, take a photo, and invent something that keeps you at peace. Happiness is within you.
3. Stay authentic
You need to stay true to yourself in order to live a rich life. When you find inner peace and do things you love, you are reflecting your inner-self. There is no greater wealth than understanding what you are meant to do in life.
Regardless of your financial situation, try to believe in yourself so that you can stay happy, enjoy the small things in life, and keep yourself motivated.
4. Do what you love
Making tons of money is what most people might call being rich. However, if the person is not happy with their job, he probably considers himself the poorest person on earth.Advertising
Floyd Mayweather’s net worth would not have been $700 million today had he not been a boxer. Similarly, Bill Gates would not have been the richest man on earth if there was no Microsoft. People who pursue what they love have always prospered more than people who work out of compulsion. The more you start doing what you love, the more money will continue to flow into your life. Even if it does not, you still get to stay happy as you grow rich within yourself.
5. Stay gentle
Gentleness was considered one of the greatest virtues by a philosopher named Confucius. When you are humble, you develop an ability to sense your environment and work accordingly.
For example, look at people like Buddha and Gandhi and compare how lived their lives. They were gentle, realized the value of their lives, and always stayed strong in their thoughts. Buddha left materialistic prosperity to live the life of monk and find the richness within himself. Gandhi belonged to a poor family, and despite leading one of the largest revolutions in the world, always stayed gentle.
Try to be soft and smile to make others smile. If you succeed in making other people happy, then you are truly rich.Advertising
6. Become generous
Giving money is not the only act of kindness. In fact, I would not call it being generous at all. Generosity is what comes from within. When you give someone something from your heart you feel happy, and that feeling is what makes you feel rich. You also need to realize that sharing what you have, without even thinking of what amount you have, is what an act of kindness means.
Also, provide undivided attention to people who need help from you. Nothing is more generous than giving all you have and making others feel good.
7. Build relationships
The real wealth that you build and will be remembered through your relationships. People need to value their relationships more than anything else. Seek to make emotional connections with your family, your friends, your partner, and people that you meet regularly.
“Matters of the heart are important to me. All this materialism and all the money and wealth are things that you don’t take to the grave. One day you have it. The next day you don’t.” — Shari Arison
Featured photo credit: Flickr via flic.kr
Last Updated on January 5, 2022
33 Painless Ways to Save Money Now
In a difficult economy, most of us are looking for ways to put more money in our pockets, but we don’t want to feel like misers. We don’t want to drastically alter our lifestyles either. We want it fast and we want it easy. Small savings can add up and big savings can feel like winning the lottery, just without all of the taxes.
Some easy ways to save money:
- Online rebate sites. Many online sites offer cash back rebates and online coupons as well. MrRebates and Ebates are two I like, but there are many others.
- Sign up for customer rewards. Many of your favorite stores offer customer rewards on products you already buy. Take advantage.
- Switch to compact fluorescent bulbs. The extra cost up front is worth the energy savings later on.
- Turn off power strips and electronic devices when not in use.
- Buy a programmable thermostat. Set it to lower the heat or raise the AC when you’re not home.
- Make coffee at home. Those lattes and caramel macchiatos add up to quite a bit of dough over the year.
- Switch banks. Shop around for better interest rates, lower fees and better customer perks. Don’t forget to look for free online banking and ease of depositing and withdrawing money.
- Clip coupons: Saving a couple dollars here and there can start to add up. As long as you’re going to buy the products anyway, why not save money?
- Pack your lunch. Bring your lunch to work with you a few days a week, rather than buy it.
- Eat at home. We’re busier than ever, but cooking meals at home is healthier and much cheaper than take-out or going out. Plus, with all of the freezer and pre-made options, it’s almost as fast as drive-thru.
- Have leftovers night. Save your leftovers from a few meals and have a “leftover dinner.” It’s a free meal!
- Buy store brands: Many generic or store brands are actually just as good as name brands and considerably cheaper.
- Ditch bottled water. Drink tap water if it’s good quality, buy a filter if it’s not. Get
- Avoid vending machines: The items are usually over-priced.
- Take in a matinee. Afternoon movie showings are cheaper than evening times.
- Re-examine your cable bill. Cancel extra cable or satellite channels you don’t watch. Watch the “on demand” movie purchases too.
- Use online bill pay. Most banks offer free online bill paying. Save on stamps and checks, and avoid late fees by automating bill payment.
- Buy frequently used items in bulk. You get a lower per item price and eliminate extra trips to the store later on.
- Fully utilize the library. Borrowing books is much cheaper than buying them, but in addition to books, most local libraries now lend movies and games.
- Cancel magazine/newspaper subscriptions: Re-evaluate your subscriptions. Cancel those you don’t read and consider reading some of the other publications online.
- Get rid of your land-line. Do you really need a land-line anymore if everyone in the family has a cell phone? Alternatively, look into using VOIP or getting a cheaper plan.
- Better fuel efficiency. Check the air pressure in your tires, keep up with proper auto maintenance, and slow down. Driving even 5MPH slower will result in better fuel mileage.
- Increase your deductibles. Increasing the insurance deductibles on your homeowners and auto insurance policies lowers premiums significantly. Just make sure you choose a deductible that you can afford should an emergency happen.
- Choose lunch over dinner. If you do want to dine out occasionally, go at lunchtime rather than dinnertime. Lunch prices are usually cheaper.
- Buy used: Whether it’s something small like a vintage dress or a video game or something big like a car or furniture, consider buying it used. You can often get “nearly new” for a fraction of the cost.
- Stick to the list. Make a list before you go shopping and don’t buy anything that’s not on the list unless it’s a once in a lifetime, killer deal.
- Tame the impulse. Use a self-enforced waiting period whenever you’re tempted to make an unplanned purchase. Wait for a week and see if you still want the item.
- Don’t be afraid to ask. Ask to have fees waived, ask for a discount, ask for a lower interest rate on your credit card.
- Repair rather than replace. You can find directions on how to fix almost anything on the internet. Do your homework, and then bring out your inner handyman.
- Trade with your neighbors. Borrow tools or equipment that you use infrequently and swap things like babysitting with your neighbors.
- Swap online. Use sites like PaperBack Swap to trade books, music, and movies with others online. Also, look for local community sites like Freecycle where people give away items they no longer need.
- Cut back on the meat. Try eating a one or two meatless meals every week or cut back on the meat portions. Meat is usually the most expensive part of the meal.
- Comparison shop: Get in the habit of checking prices before you buy. See if you can get a better price at another store or look online.
Remember that saving money is not about being cheap or stingy; it’s about putting money into your bank account rather than giving it to someone else. There are many ways to save money, some you’ve never thought of, and some that won’t appeal or apply to you. Just pick a few of the ideas that sound doable and watch the savings add up. Save big, save small, but save wherever you can.
Featured photo credit: Damir Spanic via unsplash.com