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6 Easy Ways to Treat Yourself

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6 Easy Ways to Treat Yourself

Whether you’re male or female, treating yourself to some relaxation can be expensive. Getting a massage, going to a spa or salon, going on vacation—the costs can seem a little overwhelming. Fortunately, I have scoured the universe for some alternate solutions that won’t break the bank. Here are six easy and inexpensive ways to treat yourself.

1. Buy a small massager on Amazon.

Massages are good for you, but they’re expensive. However, I’m not suggesting you go out and get a massage chair, either. Instead, I suggest you invest in a shiatsu neck and shoulder massage pillow, which can also be used to massage your back, stomach, arms, and legs. You can find different brands for under $40 on Amazon, and they come with a warranty. The best part is, now you can get a massage whenever you want!

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2. Take a bath.

A common suggestion, I know—but baths are relaxing, and they’re a good replacement for a hot tub. Oh, yeah, and they’re free. You don’t have to go all out with candles and music (though that helps), but I suggest adding some bath salts, and sipping a nice warm beverage, or a glass of wine or beer while you soak up the relaxation. And if baths aren’t your thing, just take a shower (which can also include bath salts), but focus on letting the spray relax your muscles.

3. Pamper your hair and skin.

This suggestion isn’t just for women. There are lots of ways to give your skin and hair spa or salon quality treatment in the comfort of your own home, and without spending a ton of money. Things like face masks, skin creams, and coconut oil are readily available, as well as hair masks, beard oils, muscle soothing creams, and other essential oils. And these aren’t just for relaxing you, they’re nurturing to your body. No more feeling guilty, because you’re taking care of yourself.

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4. Curl up and read a book.

I’m sure you’ve heard this suggestion before, too; and maybe I’m biased, but I think reading a book is the perfect way to relax and refresh your mind. Not only does it provide you an inexpensive escape, but it’s good for you! Maybe there’s one in particular you’ve been meaning to buy or check out from the library, or maybe there’s one worn and thoroughly creased on your shelf calling your name. But I don’t have time to read, you say. Well, I say don’t give me that excuse, because another cool thing about books: You can put it down and pick it up again whenever you want—guaranteed, no fine print.

5. Go outside.

Nature is one of this world’s greatest pleasures, and simply stepping outside on a beautiful day can be exponentially invigorating. I recommend taking a walk, even if it’s just walking your dog down the street. If you live in the city, why not venture over to a park? Or, if you live near a forest preserve or national park, you could take some friends or family on a mini road trip and go exploring. Some parks are free, some are not. There are over 400 parks to visit, and 124 of them have an entrance fee, but there is a list of days when all parks offer free admission.

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6. Splurge on a really good cup of coffee.

When I say splurge, I don’t mean go totally crazy. I mean if you want Starbucks, or your favorite latte from your favorite local coffee shop, then get it. I mean when you’re at the grocery store trying to decide which bag of coffee grounds to get, don’t just look for the cheapest brand—trust me, good coffee is worth it. Pick out your favorite, or try something new. And when you’ve got that coffee in your hand, savor it. Breathe it in. Enjoy the bliss that is caffeinated excellence in a cup. You’re welcome.

Here is one last piece of wisdom: For the ultimate relaxation, try combining the things on this list (for instance, drink your coffee while reading, or read while sitting with your massager and wearing a face mask). Treating yourself doesn’t have to be expensive or complicated. In fact, it should be simple and stress-free.

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Featured photo credit: Viktor Hanacek via picjumbo.com

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Last Updated on July 20, 2021

Financial Freedom is Not a Fantasy: 9 Secrets to Get You There

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Financial Freedom is Not a Fantasy: 9 Secrets to Get You There

Have you ever considered your life now, and how it would be if you had more time to spend with your family and less worries about money?

Nowadays, financial stress is one of the most troublesome weights in life. If you’ve ever encountered financial stress, you know the difficulty of not having enough income to pay your obligations or bills.

Many people say that money is not the ultimate goal of life. While that’s true, money certainly plays a very significant role. The meaning of financial freedom changes with the different phases of our life, but ultimately, it is something that many people strive for.

In this article, we’ll explain how to capture that financial freedom you’ve been looking for. Read on to learn the secrets to financial freedom.

Break Free of Your Finances

Financial freedom is about having a constant flow of cash from your assets to cover all your regular needs.

When you are not worried about your income, or living paycheck to paycheck, you gain a great sense of freedom. It’s the freedom to be obtain and do what you truly need to make your way through everyday life.

Gaining financial freedom, though, is a process of growth, making small improvements and gaining emotional strength.

Though it seems hard to believe, it is really very simple to get financial freedom.

To do so, you simply need to make sure that your assets exceed your liabilities. In other words, you’ll need to find the sweet-spot where your residuals meet or surpass your expenses. This is something that you can achieve with the proper plan.

While not every person will accomplish financial freedom, the potential for anyone to do so is certainly there. Anyone can achieve this success, regardless of their income level.

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Outlined below are 9 secrets that will help you in your goals of achieving financial freedom.

1. Stop Unnecessary Spending

We often spend money inwardly, instead of objectively.

For example, you may spend when you’re anxious, depressed, restless, exhausted, from fear of missing out, or to please others. This is a very unhealthy way to handle your finances.

To stop this habitual spending, log down all your spending over the course of a month.

Just as some people keep a food diary, keep an expense diary. Remember not to just write down how much and what you spent the money on, also include the circumstances of why you spent the money. Was it an impulse buy at the checkout line or was it something you planned to purchase?

This increased self-awareness could enable you to avoid triggering situations in the future when you are considering an impulse buy.

2. Plan a Monthly Budget

This is a great opportunity to get serious.

Take a seat with your spouse or partner and make a monthly budget based on your income, not your expenses. You are never again going to spend more cash then you have on hand.

Overspending is the thing that led you to more financial obligations. Make sure you decide every month what is coming in and what will be going out and stick to that budget… no matter what.

3. Cut-up Credit Cards

Perhaps you are the type of person who always pays your credit card balance in full before the end of your billing cycle, and enjoys the reward points you gain. If this is the case, then you’re already way ahead of the game.

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If not, you may want to consider ridding your life of the burden that credit cards bring.

Many cards have strategies set up so that if you make a certain number of late payments, they will raise your interest rate much higher. This can really add up in the long run and you won’t be doing your financial situation any favors. If you’re prone to late payments or have a large balance due on your cards, cut them up!

Without proper self control on credit card spending and payments, you are basically throwing your money away. To ensure that you have better control over your spending, use only cash or debit for all future purchases (and don’t forget to pay at least your minimum payment on your cut-up cards each month!).

4. Increase Savings

There is no doubt that for a comfortable retirement you must accumulate satisfactory savings throughout your working life.

It’s good practice to save up to 15% of your income.

Start with your workplace 401(k), if you have one. If not, a Roth IRA (if you are eligible) or a traditional IRA (if you are not eligible for the Roth) are the next logical steps.

Increase in longevity means you might be able to look forward to 25 to 30 years in retirement, or possibly even significantly more. Investing now in good retirement plans will ensure that you have a guaranteed a stable monthly income when the time comes to stop working. [1]

5. Invest Wisely

Consider investing in funds.

Specifically, you will gain higher returns if you invest in different types of mutual funds such as Debt funds, Equity funds and Hybrid funds with a proper balance, although it absolutely relies on your personal preferences and sense of risk taking.

To get the most of these benefits, make sure you are investing in a variety of assets. Another resource of investing in mutual funds is SIP (Systematic Investment Plan) where you invest some money every month in funds. SIP works by averaging the per unit price of the stock.

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Mutual fund investors are aware of the benefits of an SIP (Systematic Investment Plan). For one, it is the most secure way to invest in equity mutual plans so that wealth is created over a long period of time. This plan also helps you to gain a better sense of financial discipline, which will come in handy in all your financial endeavors.

6. Invest in Gold

There isn’t really a better way to invest in gold than to have the physical gold itself in your possession.

You can purchase gold coins and bars from mints as well as from coin dealers and other private sellers.

Another way to invest in gold is through ETFs (Exchange Traded Funds).

These are is similar to mutual funds but they are exclusively investments of gold. ETFs are great because they offer more liquidity; the ETF owns the actual physical gold, stores it, and retains the value of the shares. These shares can then be bought and sold in the stock market, and one big benefit is that the transaction costs of gold ETFs are much lower than the that of physical gold.

With its consistently-increasing demand, investment in gold can be very wise long-term investment to make.

7. Stash Emergency Funds

Whether it’s a cash gift or a work bonus, always try to save any extra money that comes your way rather than making unneeded purchases.

If you get paid every other week, you’ll get an “extra” paycheck (three rather than the usual two) twice a year. Either save those paychecks towards your emergency funds or utilize the money to pay down other obligations, such as loans, credit cards or other debts.

Make it hard to get your cash.

Put your savings in an alternate bank, maybe an online bank that forces you to delay for several business days before transferred money hits your regular bank account.

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8. Find Fabulous Mentors

Find a mentor, such as a friend or family member, who has exceptional control over their finances and pay attention to everything they do.

If you do not have any friends or family that are enjoying financial freedom, then find a mentor online! There are numerous blogs and guru websites featuring the advice of many people who have reached financial freedom, and they exist primarily to let you in on how to achieve it for yourself.

There are also plentiful forums available that share tips and tricks on how to best achieve financial freedom. Read as much as you can and start changing your habits for the better.

9. Be Extra Patient

Patience is the key of financial success.

Being patient can be quite tough, especially when you’re struggling with your finances, but having faith is worth it. You’ll continuously be on the right track if you are taking the proper steps above.

So don’t be discouraged, even if you are only saving a few dollars a month; it all adds up. Within just a few years you’ll look back proudly at your accomplishments and be glad that you had the patience to get there.

Financial Freedom for All

Anyone can achieve financial freedom, regardless of their financial circumstance.

Use the tips provided above to get yourself on the track to financial freedom and toss your monetary concerns out the window. If you wish to achieve a life with financial freedom for yourself and your family then you must adopt a disciplined approach towards your finances.

Following the simple secrets above is a great start to making your money work for you, so you can work less and live more!

Featured photo credit: rawpixel via unsplash.com

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Reference

[1] Hartford Gold Group: IRA Retirement Accounts

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