Living a healthy financial life does not always mean spending as little money that it brings the joy out of life but bringing enjoyment in ways to spend or save money. Of course, investing in good furniture rather than the cheap table that the paint chips is a much better choice. But there are also plenty of other ways to upgrade your life by changing things out for no extra costs.

Using your existing memberships to access free and complementary goods.

Did you look closely at the membership you paid for? Chances you did not. Many of our memberships give us access to free shows or movies like Amazon Prime or free access to airport lounges. There is a lot of value we are paying into our memberships already. Like magazines or books, they can be expensive to subscribe to each month or purchase individually. At the library, they already hold many of these subscriptions and publications which we can check out for no costs. For instance, some libraries provided a handful of museum memberships the public can check out and use. They provide us with lots of free or complementary goods which we simply overlook or are unaware of which we can take advantage of now.

Fancy Exercise Plans for an Accountability Group

All of us know trying to stick to a workout regime is hard. Maybe paying for a personal trainer will get us into the groove? But the main issue is being able to stick to it. Many of us believe that we need to make a change; they need to make a radical change to make it happen. The reality is, making small tweaks in our life will slowly help our daily lives often lead to a strong result over the long term and even a more sustainable option. Accountability groups are statically proven to help you reach your goals and have the benefit of being tailored to your needs of what you and those in the group agree to. Making dramatic changes ends up costing more in the long run due to not being sustainable or just too expensive. Slowly incorporating changes to your daily life is what brings the more rewarding enjoyment to life.   

There are plenty of zero cost changes that can be applied to life. But it needs to be done in moderation before it drains the fun out of your daily activities. Being able to recognize what actually works for the long run rather than a spur of the moment is a hard thing for anyone to tackle. 

Lucas Zhang was a Finance major at Ohio State University. He writes about finance, mortgages, and technology for Irish Mortgage Brokers. 

Relevant Links: Personal Trainer costs, Save Money, Diet failure