How to Invest in Yourself: 12 Frugal but Effective Ways

how to invest in yourself

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how to invest in yourself




According to Warren Buffett, “The best investment you can make is in yourself.”  Unlike investment in stocks or real estate, investing in self does not necessarily require a significant amount of money. Here are 12 frugal but effective ways to invest in yourself for improving physical and emotional well-beings, developing social and intellectual skills, and promoting overall life quality.  

1. Cut junk food and add more green and nuts to your diet

Healthy foods will fuel your body with nutrients and boost your immune system. Contrary to our common belief that healthy foods cost more, results from a large government analysis show healthy foods such as carrots, onion, and lettuce are less expensive per portion than ice cream, French fries, sweet rolls, etc.

Check out how to eat healthy on a tight budget and how to save money on groceries. 

2. Regularly engage in physical activity

Regular physical activity improves our overall health and decreases the risk for many chronic diseases. Exercise gives you the energy to take on the day with confidence. You don’t have to purchase a gym membership to achieve your fitness goals. There are some budget-friendly ways to do exercises, such as running, biking, and gardening. Also, try my favorite 7-minute workout

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3. Get a good night sleep

A good night’s sleep is one of the best things you can do to your body. Good sleep improves memory and productivity, reduces stress and anxiety, lowers heart health problems, and brings about numerous other health, emotional and social benefits. 

4. Read books

Walter Disney said, “There is more treasure in books than in all the pirate’s loot on Treasure Island.” A great book allows us to learn new knowledge, gain rewarding experience, and practice mindfulness. Not much budget for books? No problem. There are various ways to get free books–check out your local library, download Amazon’s free e-books, read free books from Google Play, just to name a few.   

5. Take an online course

Taking a course on your favorite subject can be a fulfilling experience. There are online resources that provide free or inexpensive courses. For example, Udemy offers a large variety of self-paced courses on almost everything from IT/software to business, from music to self-development. It frequently offers big discounts, so you can take a course at a very low price.

 <Read more: Where to Find Best Free Online Courses>

6. Learn DIY skills using YouTube

YouTube is filled with helpful tutorials on various DIY projects. I particularly like the video tutorials on home improvement, which not only turns me into a handy person, but helps me save time, money, and hassle. Check out the best DIY YouTube channels that turn you into a fix-It master.

7. Listen to Podcasts

Podcasts are another awesome resource to learn new skills. There are numerous topics to choose from so you can always find something that interests you. It is also super convenient. You can listen to a podcast when you are driving, walking, or taking a bus.

As an avid language learner, I listen to a podcast that teaches Japanese on my way to work. I am hoping someday I can communicate in Japanese when I visit Japan. 

8. Read news and trending stories every day

Reading daily news is a wonderful way to keep up to date on current events and to broaden your perspectives. You don’t have to subscribe newspapers to read the news; instead, read newspapers online or use apps such as Flipboard or SmartNews to browse news in your interested categories. <Read more: 5 Things I Would not Spend Money on>

9. Start a side hustle

Use several hours a week to work on your side hustle, such as starting a blog, hosting a podcast, or selling on Etsy. Use your knowledge and skills to make extra money. It will allow you to pursue your passion and sharpen your entrepreneurial skills.  

10. Make time for family and friends

The famous Harvard Grant Study shows supportive, loving relationships are the key to happiness and success. Don’t ignore the daily interaction with your family and friends. Make sure to carve out time to catch up face-to-face, give a phone call, or send a message to your loved ones. <Read more: Why Family Dinner Time is My Favorite Time of a Day

11. Create a gratitude jar

Write down your brief reflections on moments for which you are thankful and save those notes in a jar. It is a fantastic practice of being grateful for things in your life and cultivate a feeling of thankfulness. <Read more: Feelings of Gratitude

12. Volunteer

Volunteering allows us to give something back to the community and make a difference to the lives of others. What’s more, volunteering gives us opportunities to gain professional experience, meet new people, and build self-esteem.

Volunteer Engagement 2.0: Ideas and Insights Changing the WorldLearn MoreVolunteer Vacations: Short-Term Adventures That Will Benefit You and OthersLearn More Volunteering: Personal, Social and Community BenefitsLearn More




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39 comments

  1. Awesome list. I probably do 9 out of the 12 things on this list. A lot of people really don’t focus on food. Healthy eating is so important! Longer life, more productive days, and you feel better too.

    1. hThanks for the kind words. You are totally right that Healthy eating is a critical part of a happy healthy life.

  2. I literally do all of these things! Yay, I must be killing it 😜

    1. That’s great. Way to go!

  3. Great list! Most are things I know I should do. It don’t always make time for. I should though! This list has inspired me to do better!

  4. This is great! I recently started a couple of side hustles and love it…

  5. Okay, I dont do 1 2 and 3 much but I promise i will start. Lol, but then so much to do. I hope to put your tips int practice.

    1. We all have something to work on. I particularly need to improve 2 & 3.

  6. Thanks for reminding people to take care of themselves, no matter how busy life is. Thanks for sharing.

    1. Thanks for the nice words. Take care.

  7. These are all great tips. #3 is something I have to work on, but I’m working on being healthier.

    xo,
    Pri | Paint The Town Chic

    1. Great! Thanks for the comment.

  8. Self-care is so important. This is an area that I some times slack on…especially getting enough sleep. I definitely do not do that. You’ve offered great tips. Thanks.

    1. Thanks for stopping by. Honestly, I need to focus on getting more sleep, too. Sometimes, it is just not so easy to do it.

  9. These are some very useful tips! Love the idea of creating a gratitude jar

    1. Thanks!

  10. I needed this tonight. A few of these ideas I’ve been pondering about as I begin to explore who I am and why I’m not feeling so great. I really do need to invest in me. And not me, the mom, but me the me. I’m leaning towards looking at some coursework (because besides being a mom thats what I know best) or maybe eating a little better – more veggies less granola bars? Thanks <3

    1. Sounds good! Take care. 🙂

  11. Great ideas. I’d like to start looking at more podcasts to learn and I agree with getting enough sleep.

    1. Thanks for the comment. Podcasts are one of my favorite resources to learn knowledge and skills. Hope you can find something you like!

  12. Great post! I wanted to let you know that I nominated you for the Blogger Recognition Award. Here’s a link to the post nominating you and the instructions for nominating others. You deserve it!http://www.armywifewithdaughters.com/2017/04/22/blogger-recognition-award-army-wife-daughters/

    1. Thanks for the nomination! I am honored. ~~Lorna

  13. I do almost most of the things.gonna work more on few things soon

    1. Sounds great. Thanks for reading!

  14. I do a few of these and agree-sleep is probably the most important. If you aren’t well rested, you cdo anything else as well

    1. Sleep is absolutely important. That’s one thing that I need to work on–the pain of being a night person.

  15. I will keep this in mind! I do a lot of these already, especially the reading one!

    1. That’s good. Thanks for reading.

  16. Great tips! I need to take more sleep as last few weeks were quite busy and haven’t got much time for my sound sleep!

    1. Thanks. Hope you have more good-night sleep.

  17. Great suggestions! We do need to up the ante on our health and especially like the idea on creating a gratitude jar!

    1. Sound good. Best wishes to you.

  18. Good good good stuff! I know personally, that changing up your diet makes a huge difference in your self care. Instead of a gratitude jar I like to journal what I am thankful for! 🙂 Writing is so relaxing!

  19. Hi! Thanks for stopping by my blog, “Write Light.” I like your blog and this article on ideas to help health is filled with good reminders. I’m trying to shave off hours of being awake a bit too late at night. Take care!

    1. Thanks so much for visiting my blog and the kind comment!

  20. Thank you for this, I’m so glad I found your site. Now, I’m off to do number 5….love

    1. Thanks so much! Hope to see you often here. I like your “what university has taught” series. 🙂

  21. Love your list! I think I have already been doing most of the things you wrote there except for engaging in physical activity. Hahaha! Still working on that one! I do love learning new stuff tho, so I whenever I have leisure time I find video tutorial stuff, especially on YouTube.

    1. Thanks for the comments! You are doing great.

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