As much as we all probably like the idea of making a personal investment in ourselves, our minds tend to immediately gravitate toward the monetary cost that entails. Well, I’ve got good news! There are plenty of ways you can invest in yourself without spending a dime. Rather than spending your hard-earned money, the investments on this list only require your time, and maybe a bit of willpower!


invest in yourself





Learn New Skills


No, I’m not talking about going the traditional route of going back to school to get another degree. I’m not even talking about the endless number of online courses you can spend your money on to help you improve everything from your Pinterest strategy to your morning routine. With the amount of free information and free courses available online, you can learn just about anything with an investment of just your time.


Read Books and Blogs


I may be a bit biased, but I think blogs are an amazing and free way to invest in yourself! I have quite a few blogs that I read religiously on topics ranging from personal finance to blogging to personal development. I can tell you, I learn a ton from them!

Reading books can also be a great way to invest in yourself with just a time investment. And yes, it can be free! I have a library card at our local library and just rent eBooks on my Kindle! I love reading business and personal development books, but also love reading fiction as well.


Start a Side-Hustle


Starting a side-hustle (such as a blog) may be a major time investment, but it has a huge potential financial payoff. Blogging isn’t the only option available, either. Do a search of the term “side hustle” and a literally endless number of options will pop up! If you’re worried about the start-up cost, here is a blog post I wrote about the real cost of starting a blog.


Prioritize Your Health


Yes, for some people focusing on their health is going to mean an expensive gym membership and spending lots more money on healthy food. However, that’s not the only way to do it! First of all, it’s totally possible to get a great workout from home, like with the workout videos on these YouTube channels! You also don’t have to spend a ton of money to eat healthily. Yes, real food might cost slightly more than the processed stuff, but I’ve personally been able to make up for that by also cutting back on how much I go out to eat.


Set Goals


There’s a big difference between dreams and goals. A dream is something that you hope happens in the future, whereas a goal is something you’re taking specific steps to make happen. Because of that, they require a time investment, but you get the payoff of accomplishing your goals. Some goals are smaller and can be accomplished in a relatively short amount of time, some are long-term goals that are going to take a lot of perseverance and focus.

When I’m setting big goals, I like to break them down into smaller, more manageable tasks that I can add to my to-do list, and I always track my progress to make sure I’m on the right track!


Start a Budget


Like starting a side-hustle, working out a budget is a great investment because you invest your time and energy, and get a financial payoff in return. Just recently I shared a blog post with online tools for budgeting and saving money, and how I use my favorites to help me create and stay on track with a budget each month.


Simplify Your Home


Depending on the state of your home, this may be a pretty significant time investment. However, it can have a pretty awesome payoff. Not only does clutter cost you a lot of time as you navigate it and look for things that have gone missing, but it can also lead to a lot of stress. I definitely find myself getting overwhelmed when my home is getting out of control, and a little simplifying can make a big difference!


Surround Yourself With Like Minded People


I’ve invested in my blog in a lot of ways. I’ve invested a ton of time into setting up the blog, writing posts twice every week, and promoting the blog posts on social media. I’ve also invested money in hosting, a blog design, promotion, and education. But one of the best investments I have made is the time spent finding like-minded people who support each other. I’m in a lot of blog and business Facebook groups where people inspire each other, bounce ideas off each other, and offer support in so many ways. I’ve learned a ton from people in these groups, and I’ve had people to vent to who understand the struggles I go through with blogging.

Though my example is specific to blogging, this advice works in all areas! Whatever it is that you are interested in or struggling with, I guarantee there are like-minded people who are dealing with the same thing. There are probably already groups online or in person where you can connect with these people, but if not you can start your own and find others to join you.




Make sure to check out these other posts you might like on Refined Revelry!


And don’t forget to sign up for my FREE 6-day goal setting challenge where I teach you to set goals and create a long-term action plan to ensure you reach those goals!


Totally Free Ways to Invest in Yourself - I’ve got good news! There are plenty of ways you can invest in yourself without spending a dime. Here are just a few.

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