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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 September 2, 2020

How to Set Financial Goals and Actually Meet Them

How to Set Financial Goals and Actually Meet Them

Personal finances can push anyone to the point of extreme anxiety and worry. Easier said than done, planning finances is not an egg meant for everyone’s basket. That’s why most of us are often living pay check to pay check. But did anyone tell you that it is actually not a tough task to meet your financial goals?

In this article, we will explore ways to set financial goals and actually meet them with ease.

4 Steps to Setting Financial Goals

Though setting financial goals might seem to be a daunting task, if one has the will and clarity of thought, it is rather easy. Try using these steps to get you started.

1. Be Clear About the Objectives

Any goal without a clear objective is nothing more than a pipe dream, and this couldn’t be more true for financial matters.

It is often said that savings is nothing but deferred consumption. Therefore, if you are saving today, then you should be crystal clear about what it’s for. It could be anything, including your child’s education, retirement, marriage, that dream vacation, fancy car, etc.

Once the objective is clear, put a monetary value to that objective and the time frame. The important point at this step of goal setting is to list all the objectives that you foresee in the future and put a value to each.

2. Keep Goals Realistic

It’s good to be an optimistic person but being a Pollyanna is not desirable. Similarly, while it might be a good thing to keep your financial goals a bit aggressive, going beyond what you can realistically achieve will definitely hurt your chances of making meaningful progress.

It’s important that you keep your goals realistic, as it will help you stay the course and keep you motivated throughout the journey.

3. Account for Inflation

Ronald Reagan once said: “Inflation is as violent as a mugger, as frightening as an armed robber and as deadly as a hitman.” This quote sums up what inflation could do your financial goals.

Therefore, account for inflation[1] whenever you are putting a monetary value to a financial objective that is far into the future.

For example, if one of your financial goal is your son’s college education, which is 15 years from now, then inflation would increase the monetary burden by more than 50% if inflation is a mere 3%. Always account for this to avoid falling short of your goals.

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4. Short Term Vs Long Term

Just like every calorie is not the same, the approach to achieving every financial goal will not be the same. It’s important to bifurcate goals into short-term and long-term.

As a rule of thumb, any financial goal that is due in next 3 years should be termed as a short-term goal. Any longer duration goals are to be classified as long-term goals. This bifurcation of goals into short-term vs long-term will help in choosing the right investment instrument to achieve them.

By now, you should be ready with your list of financial goals. Now, it’s time to go all out and achieve them.

How to Achieve Your Financial Goals

Whenever we talk about chasing any financial goal, it is usually a two-step process:

  • Ensuring healthy savings
  • Making smart investments

You will need to save enough and invest those savings wisely so that they grow over a period of time to help you achieve goals.

Ensuring Healthy Savings

Self-realization is the best form of realization, and unless you decide what your current financial position is, you aren’t heading anywhere.

This is the focal point from where you start your journey of achieving financial goals.

1. Track Expenses

The first and the foremost thing to be done is to track your spending. Use any of the expense tracking mobile apps to record your expenses. Once you start doing it diligently, you will be surprised by how small expenses add up to a sizable amount.

Also categorize those expenses into different buckets so that you know which bucket is eating most of your pay check. This record keeping will pave the way for cutting down on un-wanted expenses and pumping up your savings rate.

If you’re not sure where to start when tracking expenses, this article may be able to help.

2. Pay Yourself First

Generally, savings come after all the expenses have been taken care of. This is a classic mistake when setting financial goals. We pay ourselves last!

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Ideally, this should be planned upside down. We should be paying ourselves first and then to the world, i.e. we should be taking out the planned saving amount first and manage all the expenses from the rest.

The best way to actually implement this is to put the savings on automatic mode, i.e. money flowing automatically into different financial instruments (mutual funds, retirement accounts, etc) every month.

Taking the automatic route will help release some control and compel us to manage what’s left, increasing the savings rate.

3. Make a Plan and Vow to Stick With It

Learning to create a budget is the best way to get around the uncertainty that financial plans always pose. Decide in advance how spending has to be organized

Nowadays, several money management apps can help you do this automatically.

At first, you may not be able to stick to your plans completely, but don’t let that become a reason why you stop budgeting entirely.

Make use of technology solutions you like. Explore options and alternatives that let you make use of the available wallet options, and choose the one that suits you the most. In time, you will get accustomed to making use of these solutions.

You will find that they make it simpler for you to follow your plan, which would have been difficult otherwise.

4. Make Savings a Habit and Not a Goal

In the book Nudge, authors Richard Thaler and Cass Sunstein advocate that, in order to achieve any goal, it should be broken down into habits since habits are more intuitive for people to adapt to.

Make savings a habit rather than a goal. While it might seem to be counterintuitive to many, there are some deft ways of doing it. For example:

  • Always eat out (if at all) during weekdays rather than weekends. Weekends are more expensive.
  • If you are a travel buff, try to travel during off-season. You’ll spend significantly less.
  • If you go shopping, always look out for coupons and see where can you get the best deal.

The key point is to imbibe the action that results in savings rather than on the savings itself, which is the outcome. Focusing on the outcome will bring out the feeling of sacrifice, which will be harder to sustain over a period of time.

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5. Talk About It

Sticking to the saving schedule (to achieve financial goals) is not an easy journey. There will be many distractions from those who are not aligned with your mission.

Therefore, in order to stay the course, surround yourself with people who are also on the same bandwagon. Daily discussions with them will keep you motivated to move forward.

6. Maintain a Journal

For some people, writing helps a great deal in making sure that they achieve what they plan.

If you are one of them, maintain a proper journal, where you write down your goals and also jot down the extent to which you managed to meet them. This will help you in reviewing how far you have come and which goals you have met.

When you have a written commitment on paper, you are going to feel more energized to follow the plan and stick to it. Moreover, it is going to be a lot easier for you to track your progress.

Making Smart Investments

Savings by themselves don’t take anyone too far. However, savings, when invested wisely, can do wonders.

1. Consult a Financial Advisor

Investment doesn’t come naturally to most of us, so it’s wise to consult a financial advisor.

Talk to him/her about your financial goals and savings, and then seek advice for the best investment instruments to achieve your goals.

2. Choose Your Investment Instrument Wisely

Though your financial advisor will suggest the best investment instruments, it doesn’t hurt to know a bit about the common ones, like a savings account, Roth IRA, and others.

Just like “no one is born a criminal,” no investment instrument is bad or good. It is the application of that instrument that makes all the difference[2].

As a general rule, for all your short-term financial goals, choose an investment instrument that has debt nature, for example fixed deposits, debt mutual funds, etc. The reason for going for debt instruments is that chances of capital loss is less compared to equity instruments.

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3. Compounding Is the Eighth Wonder

Einstein once remarked about compounding:

“Compound interest is the eighth wonder of the world. He who understands it, earns it… He who doesn’t… Pays it.”

Use compound interest when setting financial goals

    Make friends with this wonder kid. The sooner you become friends with it, the quicker you will reach closer to your financial goals.

    Start saving early so that time is on your side to help you bear the fruits of compounding.

    4. Measure, Measure, Measure

    All of us do good when it comes to earning more per month but fail miserably when it comes to measuring the investments and taking stock of how our investments are doing.

    If we don’t measure progress at the right times, we are shooting in the dark. We won’t know if our saving rate is appropriate or not, whether the financial advisor is doing a decent job, or whether we are moving closer to our target.

    Measure everything. If you can’t measure it all yourself, ask your financial advisor to do it for you. But do it!

    The Bottom Line

    Managing your extra money to achieve your short and long-term financial goals

    and live a debt-free life is doable for anyone who is willing to put in the time and effort. Use the tips above to get you started on your path to setting financial goals.

    More Tips on Financial Goals

    Featured photo credit: Micheile Henderson via unsplash.com

    Reference

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