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50 Activities For When You’re Low On Budget

50 Activities For When You’re Low On Budget

When you are on a tight budget, it can be easy to dwell on the things you can’t afford to do. However, remember that happiness isn’t about how much money you have–it is about the time spent in love and with loved ones. These 50 activities won’t just save you money, they will also bring simplicity and happiness into your life.

1. Go to the public library

Take a vacation to a world away, all for free at your public library.

2. Wash your car at home

We love shiny toys. Have some fun washing yours at home for free.

3. Go for a walk

Enjoy nature and some quality time with yourself and loved ones.

4. Roman noodle cook-offs.

Compete against family and friends to see who can best reinvent this inexpensive staple.

5. Netflix marathon

Feel like a kid again having a movie marathon in your pajamas.

6. Clean out your closet

Have fun finding and rediscovering old and forgotten jewels.

7. Sleep in

Sometimes you can have the most fun doing absolutely nothing.

8. Play a board game

Whether it’s Monopoly or chess, board games bring the family together.

9. Get in the holiday spirit

There is always a new holiday around the corner. Find fun and inexpensive ways to celebrate them.

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10. Go to the park

Jump on the seesaw or go high on the swings. You will laugh and feel like a kid again.

11. Go to a flea market

You can find a lot of buried treasure at the flea market.

12. Find free tours

Find free tours at your local museum, winery or draft houses.

13. Indulge a little at happy hour

A weekend night out with friends can be expensive, so indulge a little with cheap happy hour drinks.

14. Go camping

You don’t need an expensive five star resort when you can pitch a tent under the real stars.

15. Go hunting or fishing

Save money on groceries and take advantage of what nature has to offer. You can start to eat healthy.

16. Have a garage sale.

Earn some cash for your clutter by having a garage sale. Finally start your rainy day fund.

17. Window shop at the mall

Try stuff on; enjoy the hustle and bustle of being around people. Woo and awe over all the latest gadgets without spending a dime.

18. Try new recipes

Just because you can’t afford to dine out, doesn’t mean you can dine in with style.

19. Catch some rays

Get your vitamin D fix with some early morning sun rays.

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20. Take turns reading a book out loud

Make reading a group activity by sharing it with your family.

21. Listen to music

Listen to your favorite tunes to sooth the soul.

22. Take a bubble bath

Enjoy some me time while soaking in some soapy bubbles.

23. Download free apps.

Technology offers new and exciting apps you can explore for free. Many of them can even help save you money.

24. Grocery shop on the weekends.

Often on the weekends large grocery chains will sample out some of your favorite products. Shop on the weekend to take advantage of some favorite treats.

25. Take turns swapping massages.

You may not be able to afford a spa day, but you can still enjoy the benefits of “if you scratch my back, I ll scratch yours.”

26. Catch a matinee

Watch the new releases at half price.

27. Have fun on the Wii

Compete with family on your Wii or Xbox. Loser does the dishes.

28. Play in the rain.

An epic mud battle can be better than the greatest water park. Loser walks home.

29. Karaoke and dance off.

Do you have what it takes to make it on American Idol?

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30. Do an art project

Who knows, you might be the next Picasso.

31. Start a blog

You can start free blogs at WordPress or TypePad. Tell the world about your daily life or your thoughts on events in the world.

32. Research your city

You may find cool places and spots you didn’t know about.

33. Play a sport.

All you need is a ball, an open space and some friends

34. Check out your local farmers market.

Explore the stalls of homemade crafts and sample fresh, organic fruits, veggies and cheeses.

35. Geocaching

All you need are GPS coordinates.

36. Try new workout activities.

Add some zest to your workout. Try new classes at your local gym.

37. Play with your pet.

They also need your attention.

38. Go on a bike ride

Enjoy the freedom of riding a bike on nature’s trails.

39. Make your own how-to YouTube videos

Get silly, have fun and explore a passion for the world to see.

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40. Call your loved ones

Everyone is just a phone call away.

41. Explore the thrift store

Update your wardrobe without spending a lot.

42. Go for a drive

Sometimes in life you just need to enjoy the ride.

43. Meet the neighbors

Your new best friend may be living right next to you.

44. Kiss your sweetheart

The best things in life are free–so is love.

45. Clean up your finances.

Build a budget and make plans for your future well-being.

46. Look at old pictures and photo albums

Take a trip down memory lane with some old photos with family and friends

47. Make a poor man’s mocha

Instead of spending loads of money on expensive coffee drinks, make your own. Try mixing a packet of instant cocoa with your morning coffee.

48. Enjoy the seasons

Go swimming in the summer, rake leaves in the fall, build a snowman in the winter and give flowers in the spring.

49. Volunteer

On a tight budget it may seem like you have very little. You can put things in perspective by helping others who are less fortunate.

50. Write a bucket list

You may not be able to afford all the grand ventures you want for your life, but that doesn’t mean you should stop dreaming.

Featured photo credit: Whitney Baugh via blog.pennlive.com

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Last Updated on April 3, 2019

How to Nix Your Credit Card Debt in Less Than 3 Years

How to Nix Your Credit Card Debt in Less Than 3 Years

Debt is never a fun thing to be in. But, there are many actions that you can take that will help you rid yourself of the burden of debt once and for all.

By coming up with a set plan, eliminating your debt can feel much easier than constantly thinking about it.

This post will provide some tips on how you can do this to help you nix your credit card debt in less than 3 years.

Hint: there are ways that are easier than you think.

1. Consider Consolidating Multiple Credit Cards If Possible

This may not be applicable to you, but if you have multiple cards – it is something to consider. Keeping up with multiple bills is time consuming.

It will depend on the balance you have on each. Consolidate ones you can but do not do it to the point that you get too close to the maximum limit. Also, it is ideal to pick the card with the lower interest rate.

Consider if there are any fees or alternatively, rewards, with transferring a balance to another card. Watch out for fees. Note that some cards offer rewards for transferring a balance to them. This is extra cash that can help go towards paying off your debt.

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Having one or two cards can make nixing your debt much simpler than keeping up with the balance of a bunch of cards. Keeping track of paying the minimum towards a bunch of cards is time consuming. Spend the time to consolidate instead to make the overall process simpler going forward.

My tip: Have one main credit card. Have a second one that you use for necessities – such as groceries or gas – that offers rewards for those purchases (a lot of cards do) and set the second one on auto-pay. You should be able to pay off a smaller amount on auto-pay if it is a necessity. If you think you cannot, then you may need to cut down a lot on expenses.

Why do I suggest doing this? Having one thing set to auto-pay is one less thing to think about. One less thing to waste time on. Same idea with consolidating to one main card. Tracking down too many is a hassle.

2. Try to Pay the Full Balance You Spent Each Month at the Very Least

You need to pay off the amount you are spending each month when that bill comes in. This is the amount you spent THAT month.

Do not let the debt keep accruing while you work on paying any unpaid debt that has accrued. It will become a never-ending battle. Try as best as you can to be current on paying for each month’s expenses when that month’s bill comes out.

If this is a strain, consider why. You may need to cut expenses. Or you may need to consider other cards. Or look at where this money is going.

3. Pay Extra When You Can – Every Small Amount Counts

This cannot be emphasized enough. If you are looking at a lot of credit card debt, it can look daunting, but each extra amount that you can put towards the debt will really add up – no matter how small it is.

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It does not just reduce the principal amount that you have left to pay off, but it reduces the amount that is collecting interest. You will always save money with that reduced interest.

4. Create a Plan on How to Pay Extra

Back to the main point, having this plan is giving you one less thing to think about.

This plan should be a plan that works for you. If it does not work for you, your spending habits, and your views on debt, then it will not be an effective plan.

For instance, if a set plan of an extra $50 (or another amount that you know you can afford) works for you, then do that. Set that aside every month and pay that extra amount. Treat it like a bill. Choose an amount that works for you and pay it like clockwork as though it was a bill you had to pay each month.

Little amounts will not nix it entirely, but they will help tackle it and having a set plan can make it less of a chore. Creating a new plan of how much to put towards it each month is an unnecessary added stress.

5. Cut out Costs for Services You Do Not Use

If you are signed up for subscriptions that you do not use because of some free trial or for some other reason, cut it out. Your overall financial position will look better.

In turn, that will make cutting your credit card debt easier. Look at your statements to find these expenses. If you do not use them, you may forget you are paying some unnecessary amount each month. Cutting it out can really add up in savings that you can put towards other needed expenses.

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6. Get Aggressive About It

Consider these points:

Depending on the interest and the level of debt, you may need to give up a few indulgences. For example, instead of ordering delivery or going out to eat, cook at home. Everything adds up.

Other things may be more of a sacrifice. It may be a trip you wanted to go on, or a daily latte habit you’ve picked up. In these instances, consider how important it is to you and if it’s worth the sacrifice. And if it is a costly expense, think whether you can wait to indulge.

Cutting an extravagant expense can really help make a dent in your overall debt. Try not to add to debt when you are trying to pay it off. It will be a never-ending battle. Make it less of a battle with these tips and it will feel easier.

Bottom line: Do what you can to make this process easier for you. Implement steps that do this. It takes time now, but will help overall. Also, keep track of your spending and paying down of your debts. Which is the next point.

7. Reevaluate Your Progress at Set Intervals

Doing a regular check-in can help you see your efforts pay off or maybe indicate that you need to give this a bit more effort. If you check every 3-6 months, it will not feel so much like a chore or feel so daunting.

By doing this, you will be able to better understand your progress and perhaps readjust your plan. Bonus: if you see it pay off, it will feel great to do this check-in. You will get there.

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Finally (and most importantly)…

8. Keep Trying

Do not get discouraged. Pushing it off will make it worse. Just keep trying.

Once your debt becomes lower, each monthly payment will reduce the balance more. Why? You are paying less towards interest. It will be a snowball effect eventually and it will become much easier to manage. Just get to that point. And know once you do, it will feel easier and motivating.

Start Knocking out Your Debt Today

The best way to eliminate debt is to get started right away. Begin by implementing the above steps and watch your debt just melt away. Try out some of the above strategies and see what works best for you. Soon you’ll be on your way to a debt free life.

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Featured photo credit: Pexels via pexels.com

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