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30 Absolutely Free Activities That Can Make You Happy Today

30 Absolutely Free Activities That Can Make You Happy Today

The best things in life really are free. Spending time with your family, enjoying a good book, or simply pursuing a hobby you enjoy are all great, absolutely free things that can make you happy today. Check out more ideas below.

1. Throw A Ball Outside. Turn the TV off, call a friend, and grab your glove. Throwing a ball outside is a time-honored tradition that’s great for exercise, and even better for your psyche.

2. Go For A Run. Lace up your shoes and start jogging. The wind in your face and the awesome feeling that being healthy brings will make you perk up in no time.

3. Snuggle With Your Dog. There’s nothing better than having a four legged friend. Dogs are proven to add joy to your life!

4. Read A Good Book. When was the last time that you actually sat down to read a good book? Pick one up off the shelf and get lost in an imaginary world.

5. Watch Your Favorite Movie. It doesn’t matter that you’ve seen the movie 50 times already. Go ahead and watch it again.

6. Watch A Silly Video. It’s so easy to get lost in YouTube videos. Start by checking out what’s popular today—I guarantee you that you’ll let out a few laughs.

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7. Appreciate the Blue Sky. Is it a pretty day? If so, head outside and enjoy the pretty blue sky. Allow yourself to give thanks for the beautiful day.

8. Light a Candle. If you have scented candles in your home, go ahead and light one of them; the sweet smell will instantly add happiness to your day.

9. Donate Something. When you donate something, whether it’s clothes, money, or other belongings, you can feel great knowing it’s going to a good cause.

10. Jump Rope. You probably jumped rope when you were a kid. It’s great exercise, and it’s fun too!

11. Call An Old Friend. Think of someone who you haven’t talked to in a while. Maybe it’s a good friend or an elderly relative. Give them a call—you’ll make their day, and they’ll make yours.

12. Send Snail Mail. Sit down and write a note to send to your sister, your nephew, or your mother. It’s such an easy thing to do, and you know everyone loves receiving mail.

13. Volunteer Your Time. Volunteering your time is a great way to help others and get enjoyment at the same time. Whether it’s a soup kitchen or an animal shelter, there are many places that could benefit from a helping hand.

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14. Go To Your Local Library. Public libraries are dramatically under-utilized. Go to yours today and enjoy reading a magazine or checking out a new book for free.

15. Take a Free Online Course. Use a website like Alison.com to learn a brand new skill for absolutely free.

16. Garden Outside. Pull some weeds or plant a few seeds to help make your garden grow this spring.

17. Paint Something. Grab some finger paint or watercolors that you have on hand and just have fun painting something new. You don’t have to be good at it to have fun.

18. Take a Nap. How often do you actually get to take a nap? It’s glorious! Do it today!

19. Research Vacation Sites. Nothing is more fun than looking up tons of new places in the world that you can go see.

20. Do a Random Act of Kindness. Pay for someone’s lunch at the drive through,, or buy someone’s gas or groceries. You’ll feel amazing, and it will help them so much.

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21. Meditate. Take some time to rest, relax, and center your mind to find happiness.

22. Write In A Journal. Writing is great way to relieve stress and remember your day-to-day adventures.

23. Play A Board Game. Seriously, Monopoly never gets old! Scrabble and Cranium are really fun too.

24. Listen to A Favorite Song. Put on your favorite song! It doesn’t have to be recent. Blasts from the past are also acceptable.

25. Spend Time With Family. Turn off your cell phones and power down your computer. Just enjoy time being with those you love most.

26. Sing In The Shower. Who cares if your roommates can hear you? Belt it out!

27. Paint Your Nails. This one is mostly for the ladies—have fun paining your nails a color you wouldn’t normally consider.

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28. Take a Picture. Make the moment last. Take a picture, and share it with friends on your social media channels.

29. Make A Grateful List. Writing down the things that you are grateful for can instantly make you happy.

30. Read A Great Blog. Check out our other posts on LifeHack to find out ways to increase your happiness and productivity.

Now that you have 30 great ways to make yourself happy today, go out and enjoy!

What are some other free ways to make yourself happy that aren’t mentioned here?

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Catherine Alford

Catherine is the go to personal finance expert for educated, aspirational moms who want to recapture their life passions.

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Last Updated on July 10, 2020

The Definitive Guide to Get out of Debt Fast (and Forever)

The Definitive Guide to Get out of Debt Fast (and Forever)

Debt can feel crushing, like a weight that is always weighing you down. Looking at those numbers, it can feel as if you’ll never get out from under it. However, if you really want to learn how to get out of debt, it is possible with a great deal of focus and self-control.

Getting out of debt isn’t impossible. Like any big goal, all that it takes is an action plan to identify where you are and creating a plan to zero out your debt.

Identifying All of Your Debts

The first part of paying off your debt is getting a complete picture of what you owe. When you have everything written out in front of you, it makes it much easier to create an action plan. Depending on how much you owe, it might also help you realize it’s not as bad you might have originally thought.

Here’s how you can get started identifying your debts:

1. Own Your Debt

Before you start identifying all of your debts, take a moment to process that you have debt but want to get out of it.

Forgive yourself for any past mistakes, missed payments, or overspending. It might be painful to accept how much debt you have at first, but you must own it.

2. Make a Debt Tracker

It’s astonishing how few people ever created a tracker to understand their total debts. Most likely, it comes from not wanting to accept the guilt of having debt, but, if avoided, it can make it nearly impossible to get out of debt.

Open up a new Google or Microsoft Excel sheet and list out all of your debts. Start with the name of the creditor, interest rates, total balance, loan term length (if any), and the minimum amount due each payment. This will include student loans, credit cards, and any other type of debt owed.

3. Get Your Debt Number

Once you’ve made your debt tracker and taken the other steps, identify your total payoff number. This is crucial, as you will have a starting point and a clear goal that you are trying to achieve.

Prioritizing Your Debts

All debt is not created equal. It’s imperative to understand that there are different types of debt.

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1. Understand Bad and Good Debts

Bad debts are usually paying for things you want instead of always need. While there might be some emergencies that max out your credit cards, often times it’s excessive spending[1].

There are three main types of bad debt:

  • Credit Card Debt: The average American household owes over $16,000 in credit card debt!
  • Auto Loan Debt: According to CNBC , the average auto loan in the US is $30,032!
  • Consumer Loan Debt: Consumer loan debt isn’t as common as credit card and auto loan debt, but it’s still considered bad as interest rates are usually between 10-28%.

Good debt is identified as investments in your future. Here are three common types of good debt:

  • Student Loan Debt
  • Mortgage Loan
  • Business Loans

2. Decide Which Debt to Pay off First

Once you know each type of debt and their interest rates, you can begin to pay off debt quickly.

Focus on paying off bad debt first, regardless of if it is a credit card or auto loan. Start by paying off the loan with the highest interest rate first.

If you have several credit cards with different interest rates, you want to focus on the one with a higher APR. You will actually save more money by eliminating the card with the highest interest rate.

3. Don’t Pay the Minimum Amount

Paying the minimum amount digs you into a hole as interest rates will offset your payment. Even a small amount more than the minimum can help you pay off debt much faster.

Removing Obstacles to Pay off Debt Quickly

Creating a debt tracker and prioritizing a plan is simple, but avoiding temptation can be difficult.

1. Set a Reminder to Track Your Debt

“If you can’t measure it you can’t manage it.” -Peter Drucker

It’s so important to track your debt to ensure that you get it paid off quickly. Similar to working out and measuring your results, you need to track your debt constantly. Start with a weekly reminder, where you sign on and log your updated number. Did you increase, decrease, or stay the same?

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Regularly tracking your student loan balance can be incredibly motivating, as well. You will get a huge confidence boost each time you see your total debt amount decreases.

Set weekly and monthly goals so you can have short term wins and keep the momentum going.

2. Hide Your Credit Cards

If your biggest debt is credit cards, you need to eliminate temptation and remove them from your wallet.

Some people have gone to extreme measures by freezing their credit cards. Why? This would create an ice block around your card, which would require you to chip away at it slowly. This will give you time to think if it’s the best idea to buy that thing you’re about to buy.

3. Automate Everything

Willpower can be a huge downfall to paying off your debt. By automating your bills each month, you will ensure that willpower isn’t involved.

4. Plan Ahead

Getting out of debt will require some sacrifices, but with enough planning, you can make it work.

For example, if you know that you have a friend’s birthday or family dinner coming up, plan ahead for the costs. Whether you need to cut back on spending the week before, pick up a side job, or meet them after dinner, do what is needed.

5. Live Cheaply

The only way to get out of debt is to make some sacrifices on your spending habits. Find ways to save money each month so you can apply that amount to your outstanding debts. Here are some ways to save money each month:

  • Live with roommates
  • Cook dinners and prepare lunches for work instead of eating out
  • Cut cable and choose Netflix or Amazon Prime
  • Take public transit or bike to work

Finding the Lowest Interest Rates

The higher your interest rates, the harder (and longer) it will take you to pay off any debt.

If possible, you want to find ways to lower your interest rates to help get out of debt quickly. Here’s how you can get started:

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1. Maintain a High Credit Score

Your credit score will have a large impact on your ability to refinance your loans and receive a lower interest rate. If you have a low credit score, it’s unlikely you will be able to refinance your loans. Use these credit tips to increase and maintain an excellent score:

  • Never miss a payment
  • Don’t exceed 30% of your credit limit
  • Don’t sign up for more than one card at once
  • Limit hard inquires, like auto-loans and new credit cards
  • Monitor frequently with free credit-tracking software

2. Find Balance Transfer Offers

Start by opening a free account on credit.com. Credit.com offers you the chance to open a free account and see what type of balance transfer offers you can receive. Some of your existing credit cards might already have 0% or lower APR balance transfer offers available.

Contact each of your credit card providers to ask about lowering your rate for a one-time balance transfer offer[2].

If you do take advantage of this option, make sure that you use a balance transfer and not a cash advance. Cash advances have a ton of high interest fees (15-25%, depending on your credit card) and will only compound your debt problem.

How to Get Rid of Debt Forever

Setting up a plan, removing temptations, and getting the lowest interest rates is the first step to get out of debt.

1. Keep Monitoring and Adjusting

Once you have a plan, don’t get comfortable. Track your debt payoff plan and make the necessary adjustments when needed.

Monitor your credit scores with a free site like CreditKarma. The higher your credit score climbs, the more likely you will be to secure a new, lower-interest loan.

2. Earn More Money

There are only so many ways to save money. Instead of clipping another coupon or making sacrifices for your morning coffee, find ways to earn more money!

Think about it…it is much easier to find ways to earn an extra $1,000 per month than find $1,000 to cut from your budget.

Here are some examples of ways to earn more money:

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Talk to Your Boss

Have a conversation with your boss about current salary and/or commission rates. If you’re not satisfied or want a change, don’t be afraid to look around at other positions. Some of them might even have a student loan debt reimbursement plan!

Start a Side Hustle

This could be coaching students on the weekends, driving for Uber, or taking paid online surveys. There are tons of ways to make money outside your 9-5. Now that you have a clear plan to pay off your debts, you’ll be more motivated than ever to figure out creative new ways to earn money.

Build an Online Business

There are so many websites and blogs that earn money from ads, affiliates, and other online products. Find your niche and get started.

3. Celebrate Your Wins

As you progress in your debt payoff journey, don’t forget to celebrate your wins. You need to always reward yourself for the hard work and discipline that is required to get out of debt.

While you shouldn’t celebrate so big that it increases debt, make sure to factor in little rewards to keep you motivated.

4. Set New Financial Goals

Eventually, with a plan and these steps, you can rid yourself of your debt. Once you do, make sure to celebrate your monumental achievement, but don’t stop there.

Now, you can focus on acquiring wealth and increasing your net worth. Set new financial goals so you have a new target to aim toward. Here’s how to set financial goals and actually meet them.

These could be anything now that you are debt free! Think about where you want to travel, buying your first home, or saving for your future retirement. Just like before, make sure that your goals are specific, measurable, and achievable.

Conclusion

Congrats, you can now set a plan in motion to finally pay off your debt quickly (and hopefully forever)!

Remember, if you want to get out of debt quickly, it’s not always easy. Just like any big goal, there will be sacrifices, challenges, and problems to overcome.

More Tips on Getting out of Debt

Featured photo credit: Pepi Stojanovski via unsplash.com

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