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42 Amazingly Free Things That Will Make You Smile

42 Amazingly Free Things That Will Make You Smile

“The best things in life are free” is an oft-quote term, but is it true? We certainly think so, especially if you consider the 42 amazingly simple, beautiful, and absolutely free things below. Each one of them will definitely bring a smile to your face and those around you. After all, what’s better than improving your day and making someone else’s day while you’re at it? Not much! The best part is, they won’t cost you a dime.

1. Calling up an old friend. You know you’ve been meaning to, and they’d love to hear from you.

2. Finally going for that run you’ve been promising yourself. It’s going to feel so good afterward, even if the process is a little painful.

3. Hand-writing a note to someone you love. Snail mail is a dying art, and they’ll love receiving it!

4. Making cookies from ingredients you already have in the pantry. It’s fun to get creative. Why not throw a few extra spices in there?

5. Finally hanging up those pictures in your house. It always makes me happy to cross something off the “to do” list.

6. Reading a good book. Because life’s too short not to.

7. Hugging your kids. They won’t be kids forever, and once they turn into teenagers, they might not be the hugging type.

8. Finding a pen in the house that actually works well. And perhaps throwing out the ones that don’t.

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9. Taking your dog on a walk. They deserve your love and attention and will be exhausted afterward!

10. Helping someone less fortunate than you. We’re so much luckier than we realize.

11. Allowing yourself to browse Pinterest for an hour. Yes that’s right—guilt free.

12. Organizing your desk so it looks beautiful again. It’s so much easier to work and pay the bills when everything is neat.

13. Watching a funny movie that you’ve seen a million times. Laughter is good for the soul.

14. Wishing your friends Happy Birthday on Facebook. Because it makes them feel special.

15. Doing a cartwheel. Because it reminds you of your younger days.

16. Daydreaming about vacations you want to take someday. Having goals makes working hard worthwhile.

17. Taking the day off from work. You’ve earned it.

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18. Taking a walk in the park. Try to notice the beauty around you.

19. Going for a long drive with the one you love. It’s nice just to get out of the house!

20. Looking at old pictures from when you were a kid. Remember when life was simpler?

21. Seeing a rainbow. It’s such a fun and unique treat.

22. Taking your time when making dinner. We’re always so rushed.

23. Sending your mom a text that says, “I love you.” She’ll love the unexpected gesture.

24. Throwing a baseball with your kids. They’ll remember it forever.

25. Taking a hot bubble bath. Because you work too hard not to.

26. Telling one other person of your big goal. We need accountability in order to make our dreams come true.

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27. Kissing your significant other. Does this really need an explanation?

28. Spending an hour painting your nails. Because you’ll feel so beautiful when they’re all done!

29. Eating lunch outside on the porch. It’s more enjoyable than sitting at the kitchen table.

30. Getting rid of clutter that’s weighing you down. Take it further and donate it to a good cause.

31. Doing 5 real pushups. Because you totally know you can.

32. Playing dress up with your daughter. It’s fun to be a princess for an hour.

33. Walk around the mall. Not to shopjust to get out the house and check out new trends.

34. Watching your wedding video. Because it’s beautiful to remember how your story started.

35. Fill up a few water balloons. And throw them at your kids when they’re not looking.

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36. Jump rope. Because you haven’t done it since grade school, and it’s awesome exercise.

37. Take a nap. Even if it’s just for 30 minutes.

38. Pick flowers from the yard. They are just as beautiful as expensive creations from the florist.

39. Recycle. It’s a gift to the Earth and will make you feel good too.

40. Dress up and take silly pictures with your friends. Why not?

41. Eat a piece of your favorite candy without counting the calories. It can’t be that bad, right?

42. Write down what you’re grateful for. After all, you’ve been granted another day to live.

So, what are you waiting for? It’s time to get out there and start smiling. Now that you know it’s free, nothing should hold you back.

More by this author

Catherine Alford

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

11 Reasons Why It’s Important to Follow Your Dreams How to Make Money Right Now How to Have a Successful Garage Sale 30 Money Questions to Ask Your Fiance BEFORE Marriage 42 Amazingly Free Things That Will Make You Smile

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Published on January 8, 2021

How To Pay Off Credit Card Debt Fast: 7 Powerful Tips

How To Pay Off Credit Card Debt Fast: 7 Powerful Tips

Ever wondered whether your credit card debt is the reason you’re in a bad financial situation? You can’t enjoy any fun activities because a good chunk of your money goes toward debt payment. Heck, you’re even behind on some of your monthly bills.

The effects of clumsy debt management are too many to list here. This guide is going to help you discover how to pay off credit card debt fast and start chasing your financial goals.

Debt problems are the last thing anyone wants to encounter. But things can get out of hand when all the “little debts” you take accumulate in interests.

What if you knew some simple and proven ways to be debt-free quickly? Implementing them would mean better financial health for you. It becomes possible to free up cash for your “wants.” These include taking a trip or buying something you’ve always desired. All that while paying your bills on time!

Let’s not wait any longer. Here are 7 powerful tips for paying off credit card debt fast:

1. Pay More Than the Minimum Credit Card Payments

Many people only pay the monthly minimum on their credit cards. Truly, that’s the right amount for staying on good terms with your credit card company. But you need a different approach if you’re looking to achieve financial independence within a short time.[1]

Most of your payments go toward interest costs when you only pay the minimum amount. A substantial sum of your balance remains standing. As a result, it becomes more expensive to eliminate your debts.

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You don’t want to wait more than 10 years to get rid of debt while it’s possible to do it sooner. All you have to do is double that $100 minimum payment to $200 or go higher.

The good thing is that minimum credit card payments are affordable in most cases. By paying a higher amount, you reduce your interest costs, lessen your borrowing period, and boost your credit score.

2. Start With High-Interest Credit Card Debt

If you have more than one credit card debt, prioritize putting the extra money toward the ones with the highest interests. This debt pay-off strategy, known as the debt avalanche method, is essential for being debt-free quickly.[2]

First, you need to list down all the credit card debts you have in the order of their interest rates. Next, you choose the one with the highest interest and pay a significant amount toward it each month. It can be an amount twice or even thrice larger than the minimum payment.

At the same time, you make monthly minimum payments on the other debts. Their interest charges won’t be as costly as that of the first debt on your list. You only move on to the next high-interest debt after the first one is gone. Remember that your focus is on the interest rates and not the balances.

3. Revisit Your Budget

Budgeting is useful for tracking your financial moves. Once you create a budget, some tweaks along the way can make it work for you better. One situation that requires you to revisit your budget is when you’re struggling with debts. It might hurt a bit to slash some expenses. But you also don’t want to miss out on achieving financial freedom in the long run.

You can reduce some variable expenses to free up more cash for credit card debt payments. They’re the ones that change from time to time. Some examples are groceries, fuel, and clothing.

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Other opportunities for cutting down your spending lie in non-essential expenses. Instead of dining out all the time, you can cook at home more to save money. You can also share some subscriptions with friends and pay a fraction of the cost.

If you’re determined enough, you can eliminate all your unnecessary expenses and focus on paying off your credit card debt first.

4. Avoid Using Your Credit Cards

Do you want to know how to pay off credit card debt with a low income? One simple way is to stop using them. Having your credit cards everywhere you go means that you’ll be more tempted to buy unnecessary stuff. In this case, you spend money that you don’t really own and get deeper into debt.

The quickest fix to stop the debt build-up is spending with cash. You’ll be more aware of everything you can afford at any particular time. If you decide to keep one or two cards to ease the transition, always make wise choices. For instance, only use them when experiencing financial difficulties.

It’s best to categorize your fun activities under “discretionary spending” in your budget. This way, you won’t need more debt to kill your boredom. By halting your credit debt from accumulating, it’s easy to pay down what you already owe and be happy with the progress.

5. Start a Side Hustle to Boost Your Income

You’re probably turning away a lot of money by not monetizing your skills. Everyone has something that they’re good at doing. And you can use that to generate extra income for attacking your credit card debt.

If you look around your neighborhood, you can find several side hustle opportunities. It can be pet sitting, tutoring, or lawn mowing. You can start an online business by offering services such as digital marketing, content creation, and web development. Such skills go in high demand on freelance sites and job boards.

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Finding clients on social media is also a good strategy to utilize your skills and make more money. Facebook groups, Quora Spaces, and subreddits are some places to look for side jobs. You only have to join a niche-specific platform, share your services, and respond to any opportunities.

It’s possible to learn a skill, practice it, and earn from it. Use the free resources online or purchase some e-courses to get started.

6. Sell Your Used Items for Extra Cash

Starting a side hustle isn’t the only way to generate extra money. You can turn unwanted items into cash for paying off credit card debt. Whether it’s an old TV, book, or furniture, there is always someone itching to buy your used stuff.

A garage sale, as much as it’s old-fashioned, is perfect for getting your neighbors and passers-by to buy from you. You keep all the money because there are no business permits or taxes involved. While you may not make much cash, it’s better than leaving your stuff to go defunct in your storage.

Other than that, you can sell your used stuff on online marketplaces. Facebook groups are great places to start if you want quick approvals and hence sales. You only have to ensure that your listing follows Facebook’s commerce policies.

When selling any pre-owned items online, ensure they’re in good shape to avoid problems with your buyers.

7. Know When to Seek Help With Your Debt

Asking for help with your credit card debt can be challenging to do. But letting it drown you is a road you don’t want to take. While you may feel embarrassed at first, it’s the best way to get back on track when you run out of options.

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There are tons of non-profit credit counseling organizations that can offer you free guidance on how to escape the debt trap. An example is The National Foundation for Credit Counseling. They simply review your finances and help you determine the source of your financial problems. After that, they match you with an actionable debt management solution.[3]

In extreme cases, the debt solution can be:

  • Debt relief – where your debt is partially or wholly forgiven
  • Debt consolidation – taking out one loan to repay others
  • Debt settlement – the creditor forgives a significant portion of your debt
  • Bankruptcy – legal process for seeking relief from some or all your debts

It’s necessary to carefully weigh your options before deciding on the way to go. Find out how it might affect your credit score and any other risks.

Wrapping It Up

Debt is a major setback when you’re trying to prosper in life. Paying off credit card debt is essential if you want to reach your financial goals. That means having more free income, a good credit card score, and even a chance to retire early. You become more productive each day because of the peace in your mind.

So, you now have some tips on how to pay off credit fast. Go ahead and get rid of that good life progress killer!

More Tips on How to Pay Off Debt

Featured photo credit: rupixen.com via unsplash.com

Reference

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