10 Ways You Should Invest in Yourself (Even While on a Budget)

Admission: Yes, I have a finance blog. Yes, I am good with money. But here is the secret…I sometimes hate my budget.

I become bitter that I don’t have the money to invest in myself and the things I want or need to do. Whether it be graduate school, a nice car, or a manicure, there are so many times that I have just wanted to give up.

What I realized is that I was being TOO tight with my budget. I skipped doctor appointments, never bought any new clothes and I beat myself up every time I succumbed and bought a latte. I decided enough was enough. Life doesn’t stop just because I am in debt.

Yes, debt is my main priority but it became apparent that if I don’t start investing more time and money on myself, I will lose endurance in the long-term. Here are 10 ways I am investing in myself this year (and things you should do too!)

  1. Healthy food.

    Junk food and fast food can seem cheaper, but the effects it has on your body is enormous. Additionally, bad habits set in your 20’s are difficult to break. Paying a little extra and making a little more time to cook healthy meals is so worth it for now and the long-term.

  2. A monthly clothing budget.

    Without it, I felt deprived and would splurge later. Keep in mind, this is a very small budget, but I allow myself to buy about one new shirt a month, or I can save up for a really nice piece.

  3. Committing to learn new skills.

    Graduate school is my ultimate goal, but I don’t have the money for it now. So I am committing to learning new skills, like website development, blogging and coding. Blogging has been such a learning process for me. I also have made it a goal to read a book a month. No matter what you’re doing, always commit to constantly learning.

  4. No more skipping doctor appointments.

    Like buying healthy food, regular doctor appointments are a must. Your health will thank you, and you are preventing future health issues, and saving more money in the long-run.

  5. Travel.

    Living 1000 miles away from my family gets sad! I make sure I don’t deprive myself too much of visits, especially during the holidays. As a travel addict, I make it a point to save for vacations, too.

  6. A latte (once in awhile).

    Sometimes a girl just needs a PSL, okay?

  7. Having an emergency fund.

    Bad things will happen, and it is saving my future self from going into more debt with a credit card! It can be so tempting to use the money on other things, but this is probably your biggest life saver as a young adult.

  8. This website.

    I pay a little bit every month for the domain. Especially when I was first starting and no one read it, I wondered if it was worth it. But it is helping me develop my skills so much that I consider it an investment.

  9. Saving for retirement.

    This is hard to do when I have debt, but I make it a point to save a little bit of each paycheck. Even if it is just 1%, you are saving for your future. I would recommend aiming to save whatever your employer will match, because it is essentially FREE MONEY!

  10. Paying off debt.

    It isn’t fun, but keeping the goal of graduate school in mind makes it an investment in my future.

Investing in yourself might not seem like the most financially responsible thing to do, but without taking care of and developing yourself, you won’t get far.

Do you have any other must-haves? How do you invest in yourself? I would love to hear!


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