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31 Things To Do When You Have No Money

31 Things To Do When You Have No Money

When you have no money, what you got in your head maybe just tons of worries and insecurities. Is “what jobs should I apply?” the only question you have in your mind? Take a break and look at the following list with the 30 things you can do when you have no money! (This list of things may surprisingly enthuse you to proceed with your life!)

1. Join a contest like a beauty contest or fitness contest.

Take part in a contest which you can show off the best parts of yourself, be it a singing contest, dancing contest, fitness contest or beauty contest. These are all great choices as you can truly widen your horizon with the special experience, while gaining a bit of fame. Who knows if you may eventually be the champion?

beauty contest

    2. Baby-sit a child

    Looking after children requires your patience and concentration. Yet only a smile from a child can melt your heart and make you feel the time you’ve spent on him/her is rewarding. In fact, babysitting a neighbor’s child can be a part-time job for you to gain money.

    3. Perform in the street

    Do a mini magic show or an acrobatic show, sing a song or play a musical instrument in the street. Yes it takes your courage, but it’s worth a try if you’ve got a group of audience paying their time, or even a bit of money to watch your performance in the hectic streets.

    4. Join a carnival or any free festivals

    Not only can you have fun in such events, you get food and beverages for free. Sometimes you even get souvenirs! Sure they’ll forgive you for being a bit greedy since you’re out of money at the moment.

    cotton candy

      5. Take a video to put on YouTube

      Shoot for whatever theme and topic you like and put the video on YouTube. You’ll see how you create buzz on the internet with just a few-minute-clip. (By the way, if your video’s really widespread, you may get unexpected revenue from advertisements!)

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      6. Sell your old stuff

      You must have stuff which are no longer useful for you, why not sell them to have money in exchange? Just put your stuff on the online bidding sites like ebay or Amazon, or you can hold a garage sale.

      7. Build A Mobile App

      It takes you effort but no money at all to launch a mobile app. If you don’t know any technology but have the ideas, ask your friends for help! Develop an app, then put it on AppStore and Google Play, it’s easy to do. If the app you develop performed well, sure you’d feel proud of yourself and the downloads could earn you money!

      8. Grab your camera and take photos around

      Ordinary items can become interesting bits and pieces in your shots. Make good use of your creativity and imagination to shoot stuffs at different angle to amuse yourself.

      9. Enjoy some audiovisual entertainments

      If you don’t feel like going out sometimes, stay indoors and watch TV or play on your favorite music. The simplest things to ease yourself at home.

      enjoy music

        10. Find a way to express yourself

        Some like writing, some prefer painting, some fancy playing with a musical instrument, or even composing a song. Choose your own way to express your feelings. If you don’t mind, share what you’ve expressed with your friends or just on any online platforms too.

        11. Get yourself a new look

        You don’t need to pay to do this. Do the hair-dyeing and cutting yourself; search in the wardrobe for the old clothes and accessories and match a new delighting look for yourself.

        12. Decorate your room

        Rearrange the things’ settings in your room or even paint your room with left over paint. Then, immerse yourself in a new relaxing atmosphere.

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        13. Take a bath in a bathtub

        Right, I don’t mean a quick shower. Soak yourself in the bathtub and take a hot bath, comfortable and relaxing huh?

        14. Look through your old photo albums

        Take out your photo albums and have a stroll down on memory lane and recall the best of your memories.

        photo albums

          15. Play some sports like jogging

          Doing sports’ a free activity, just play your favorite sports. You shouldn’t let the pressure of lacking money go all over you, maintain a healthy body to move on!

          16. Start to cook

          If you know how to cook, just cook with whatever ingredients you have at home; if you don’t know how, browse for any simple recipes on the internet and start cooking. Besides the fact that cooking can be fun, you’re actually doing something for yourself with the food you’ve made.

          17. Play with your pets

          They don’t talk and may not understand you, but they’re always there and ready to make you happy.

          pet

            18. Start to plant

            While taking good care of plants could be a lesson, watching the seeds grow into flowers or fruits is an amazing experience.

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            19. Go to the public library and borrow a book or two to read on

            Reading requires your concentration and comprehension, so it forces your brain to exercise. Keep your brain active so you’ll have new ideas coming up always. Plus, you never know if you’ll find something fascinating that inspires you!

            20. Do some cleanings if you feel like so

            Clean up your own house and tidy up your clothes. It’s more than just literally cleaning up the places, studies have shown that a clean place relaxes people and facilitates thinking.

            cleaning

              21. Find your friends or people you want to connect with

              List out the people you want to meet; they can be your old friends, neighbors or teachers. Call them or meet up with them. Treasure the times you spend with these people, can’t just lock up your hearts all the time, right?

              22. Spend time with your family

              You should not neglect your family because they’re always standing by you. Hug your parents and spend some time hanging out with them.

              23. Meet new friends

              Join your old school’s reunions or big groups gatherings, where you can meet new friends and revive your interpersonal network. If you’re more of an indoor person, try meeting friends online; it’s fairly common nowadays.

              24. Write a letter to someone

              Pick up the long-forgotten pen and start to write a letter for someone you care about. Oh, what about a love letter to someone you’ve been having a crush on?

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              letter

                25. Get in touch with the nature

                Do you know that just 5 minutes doing something in the woods or even just in a nearby park can boost your mental health? Go hiking or go to the beach, take a deep breath there and feel the natural breeze to enliven your mind.

                26. Go fishing

                It’s definitely a great time-killing activity. You may have to wait for a long time for the fish to get hooked, but you’ve earned yourself some peaceful moments to think.

                27. Wander around your neighborhood

                Walk around your neighborhood and just observe what people do in the streets. It’s not necessary to have a purpose for walking around the city.

                28. Feed some wild animals

                Here I’m talking about legal feeding to the animals. Go to the park and feed the fishes with the tiny pieces of bread. The fishes’ chase and clash for the food could be a fun scene.

                29. Go to a flea market

                You don’t need to have something to buy to go there because there’s always so many things to explore in a flea market. Just walk around the flea market and look at all the interesting stuffs.

                30. Do some community services

                Voluntary work sounds like the least thing people want to do when they have no money, but nah-ah, it trains you and gives you confidence. While you can help people, you find your value in the community.

                31. Go to church or join a religious gathering

                Choose a religion that you’re comfortable with and join its gatherings. Just see how religion may move you.

                Of course I don’t want any of you to have no money, but if unfortunately it happened to you, try on the 31 things listed above and move on with your life!

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                Anna Chui

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                Published on July 4, 2018

                Top 10 Recommendations on Money Management Apps

                Top 10 Recommendations on Money Management Apps

                Don’t want to overspend your budget, swipe your credit card too many times, and feel like a financial mess? Instead of beating yourself up for the bad financial decisions you’ve ever made, create a new plan!

                The solution is simple, save more and spend less. But, we all know it’s easier said than done.

                One problem is finding quality apps that save you time and money, and aren’t just hype.

                Luckily, there’re many great money management apps available at your fingertips. Here are 10 reliable money management apps that can help you save money, and crush debt.

                1. Personal Capital

                  When was the last time you’ve tracked your net worth? Probably months ago or maybe never. Personal Capital allows you to easily track your net worth and plan for retirement.

                  Here are some of its main features:

                  • Sync many investment accounts, and expenses (mortgage, credit cards, etc.) in one place
                  • Discover hidden fees and how much they’re affecting your retirement plan
                  • Wealth management for investors requiring a long-term strategy

                  With Personal you’re free to track your expenses and net worth.

                  Available for: iOS and Android

                  2. Mint

                    If your smartphone could only install a few apps, Mint would be one of them. Why? Because Mint tracks all your balances and bills in one place.

                    Here are some of its main features:

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                    • Effortlessly track all your bills and balances in one dashboard
                    • Categorized expenses to understand where you spend your money
                    • Uncover hidden fees, and determine your investment style with sophisticated retirement tools.

                    Feel at ease with managing your money by a reputable company that isn’t going anywhere.

                    Available for: iOS and Android

                    3. YNAB

                      Everyone needs a budget, there’s no way around it. YNAB (You Need A Budget) is an easy to use app that will change the way you think about money. Their motto is to “give every dollar a job”, and you’ll quickly discover why.

                      Here are some of its main features:

                      • Easily sync all bank accounts in one place
                      • Visually see your debt paying progress with eye-catching charts and notifications
                      • Customized categories setting saving goals

                      The best part about YNAB is the community that comes along with it. You can hop on the YNAB forum to receive support, listen to the YNAB Podcast or stay tuned for their weekly videos.

                      Available for: iOS and Android

                      4. Wealthfront

                        Albert Einstein once said “compound interest is the eight wonder in the world”, and for a very good reason. The problem is, most people are scared or unwilling to learn the basics of investing. This is why Wealthfront is the perfect solution for the hands-off investors.

                        Here are some of its main features:

                        • Variety of investment account options including IRA, Roth IRA, and more
                        • Your portfolio composed of 7 different asset classes
                        • Automatically rebalanced portfolio
                        • Daily tax loss harvesting

                        Wealthfront is perfect for people requiring investment guidance, or prefer a hands-off solution.

                        Available for: iOS and Android

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                        5. Clarity Money

                          If you’re staying on top of your budget but want to take your finances to the next level, Clarity Money can help you. Clarity Money helps you stay under budget and build a personalized savings plan.

                          Here are some of its main features:

                          • Easily cancel subscriptions with one click
                          • Synchronize bank accounts fast
                          • Transfer money effortlessly between different accounts

                          Clarity Money isn’t an app that does it all. But, it does make transferring money and canceling subscriptions fast and efficient.

                          Available for: iOS and Android

                          6. Acorns

                            What if there was a way to quickly gain confidence in investing your money, without too much risk? There is, and Acorns is your solution. With Acorns’s technology, you’re able to make investments as small as $5.

                            Here are some of its main features:

                            • Automatic contribution option
                            • Customized portfolio tailored to your needs
                            • Low management fees ranging from $1-$2 per month

                            Stop wasting dollars on expensive coffee. Instead, invest them towards a brighter financial future.

                            Available for: iOS and Android

                            7. Albert

                              Do you budget by only subtracting your expenses from your income? If so, how would you discover any overpayments or extra money you could save? This is where Albert shines, and it does it all free.

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                              Here are some of its main features:

                              • Receive notifications for overpayments, hidden fees, and low balances
                              • An Automatic budget that’s built around your spending and income
                              • Easily track debt and set new financial goals

                              While Albert does offer a paid option, most of its core features are FREE. So, what better option to save?

                              Available for: iOS

                              8. Prism

                                Have you recently forgot to pay a bill because life got in the way? Prism automatically tracks your bills and syncs your bank accounts in one place.

                                Here are some of its main features:

                                • View all your account balances in one glance
                                • Bill due dates are automatically pulled and tracked
                                • Receive early reminders for upcoming bills

                                If your budget is on “fleek” but can’t seem to stay on top of your bills, Prism is your go-to app.

                                Available for: iOS, Android, Windows, Amazon

                                9. Mvelopes

                                  Remember hearing about people using envelopes to budget their money? Well, Mvelopes is the new envelope system for this generation. Easily create monthly budgets and track your saving goals.

                                  Here are some of its main features:

                                  • Connect unlimited bank accounts
                                  • Real-time budgeting with auto transaction syncing
                                  • Low monthly $4 fee or $40 annual

                                  Mvelopes can help you crush debt, save more, and help you stop overspending. With its low monthly fee, it’s worth a try.

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                                  Available for: iOS and Android

                                  10. Wallaby

                                    Most people don’t have time to track their credit card’s changing rewards and interest rates. Because of this, you need help reaping the most of your credit card’s rewards. Wallaby is the app that will help you do just that.

                                    Here are some of its main features:

                                    • Automatic recommendations for the best credit card to use for each transaction
                                    • A friendly user interface, displaying credit cards with their corresponding images
                                    • Free to use

                                    If you’re using the same credit card to make your purchases, you may be leaving money on the table. Give Wallaby a try if you’re ready to maximize your credit card’s rewards.

                                    Available for: iOS and Android

                                    Take control of your finances and experience financial freedom

                                    Picture yourself staying on budget and saving more money than you’d ever imagined.

                                    It took hard work and dedication but you’d finally learned how to manage your money. You have to start taking control of your spending and saving habits.

                                    You now have a list of reliable apps that can help you build better money habits, what are you waiting for?

                                    Featured photo credit: Pexels via pexels.com

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