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How To Enjoy Life Without Going Broke

Last Updated: BY Michelle Schroeder-Gardner - 63 Comments

Disclosure: This post may contain affiliate links, meaning I get a commission if you decide to make a purchase through my links, at no cost to you. Please read my disclosure for more info.

How To Enjoy Life Without Going BrokeI used to have the mindset that you couldn’t have fun unless you spent a lot of money. Life isn’t all about money though, and there are plenty of ways to have fun without going broke.

The items/experiences below are not all free (is anything absolutely free anyways?), but they are ways for you to enjoy life without paying a ton of money for it.

 

Have a potluck.

I always love a fun potluck. You can have one at your home, or you can even see if your group of friends/family want to have a rotating schedule – with a different person hosting one each week or each month.

This can be a great way to get everyone together at a much cheaper price. I would rather have a fun get together at home instead of at a restaurant anyways – the atmosphere is just better!

 

Use Groupon or other discount websites.

If there is something that you know you plan on buying, you should always try seeing if there is a coupon or discount out there first. There almost always is.

Different websites to look at include Booking.com, Groupon, LivingSocial, Airbnb, Restaurant.com, and RetailMeNot.

 

Earn extra money.

Of course, I included this point in this blog post. I think there are so many positives of earning extra money, so it only makes sense.

If you know that you need to save a certain amount of money in order to do something (such as taking a vacation, skydiving, or something else), then you may want to work on making extra money so that you can afford it.

You could sell items, earn free cash back from shopping online, take up a part-time job, freelance or something else.

You could then put all of this extra money towards what you are saving for so that it is not coming directly out of your budget.

Related article: 10 Things I’ve Done To Make Extra Money

 

Find a trail.

We’ve been taking walks and bike rides on the Katy Trail near our home a lot lately. I think last week we did around 20 miles altogether by just walking the trail with our dogs. It’s a lot of fun, and it’s a great way to relax, enjoy the nice weather, and get a frugal workout in.

If you live by a lake or beach, utilize that and walk near it! Whenever I go on vacation to the beach, I always talk to the people who live there and tell them how lucky they are to live near the beach. Almost every single time they say “Yes, it’s nice, but I haven’t been to the beach in over a year.” WHAT?! You guys are crazy!

You need to utilize the areas around you. I’m sure 99% of you have a great public area to use. You can go for a hike, bike ride, walk, run, and more.

 

Use rewards points.

If you can trust yourself with credit cards, then you may want to try earning some free travel or free gift cards by using your credit card just like you normally would.

Read Are Rewards/Bonus Credit Cards Right For You? for more information.

 

Read a book.

I will admit that I don’t read as many books as I would like, but whenever I do start reading a good one it is nearly impossible to put it down.

Reading a book can be a lot of fun, and it can be free if you get your books from the library.

 

Use your student ID.

Even though I graduated with my MBA in 2012, I still carry about my student ID.  Many stores, restaurants, movie theaters and other places will give you a discount if you show them your student ID.

Some may say that this crosses into the cheap or maybe even stealing category, but I don’t really see anything wrong with it. It doesn’t save me a huge amount of money, but I can usually save somewhere around 10% to 25% when I go places just for carrying a small card in my wallet.

 

Get an annual pass.

This may exceed budgets for some, but if you have a place that you love to go to (such as a national park, amusement park, etc.) and you know that you would get good use out of it, then you may be able to justify the costs.

If you average out how many times you use it by the annual cost, you may find that you are actually just spending a couple of dollars each time you go. It can be especially cheap if you live close to the park because you can save on gas as well.

You might be saying “but the food is so expensive at amusement parks!” Yes, that is true. However, you can always pack your lunch, put it in a cooler, and take a break from visiting the park to eat your packed lunch.

How do you try to enjoy life without going broke?

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About Michelle Schroeder-Gardner

Michelle is the founder of Making Sense of Cents, a blog about personal finance and traveling. She discusses how her business has evolved in her side income series. She paid off $40,000 in student loans by the age of 24 mainly due to her freelancing side hustles. Click here to learn more about starting a blog!

Comments

  2. Cherie says

    I gotta say while I like most of the list that student id thing is definitely unethical – it’s a discount offered to current students, not people who just kept an expired student id LOL

    That said, I need to find a trail . . . .

    Reply

    • Michelle S. says

      My student ID isn’t expired though! It automatically transferred itself into an alumni ID when I graduated. No one has ever questioned it, and I’ve even told stores that I’ve already graduated and they never care.

      Reply

  3. Thomas @ i need money ASAP! says

    Potlucks are a great way to save money, plus its much easier to do than hosting. But just hosting people is still pretty frugal compared to going out. We regularly have friends over for dinner. We don’t even make anything too fancy. Most everyone reciprocates and the ones that don’t will stop getting invited eventually.

    Reply

  6. Clarisse @ Make Money Your Way says

    I also use my student ID Michelle to get a discount, especially when we are planning to have a long land trip travel and we need to take a public bus. Aside from going to park for a jogging and biking, every weekend we usually have a movie marathon with my family at home.

    Reply

  7. John @ Sprout Wealth says

    This is a solid list Michelle! We do a number of these things in order to have fun. We have a couple of annual passes to a few of the places around town as they usually pay for themselves after the first trip. Thankfully younger kids are pretty easily entertained, so that keeps costs down quite a bit.

    Reply

  8. J says

    I agree – I’ve noticed my friends and I tend to hang out at each others houses a lot on weekend nights doing a potluck or just having a few drinks with apps and catching up. I think it’s a sign we’re all getting older! We also openly talk about financial plans like buying houses. Now that the weather is nicer, we’ll have to spend more time outside hiking and having patio drinks!

    Reply

  11. Allison says

    I think pot lucks are the best! We southerners love our casseroles!
    I think exercising is a great way to do something free! You get outside you get active and can have fun. We love checking out parks all over our city. They are each so different!

    Reply

  13. E.M. says

    I have been totally guilty of living near the beach and never going. For some reason, it never interested me that much unless I was going with friends. You had to get there really early, otherwise it would be too crowded (plus traffic, as there was usually one bridge to cross over to get to the beaches). I’d rather go to a trail in the woods, which we did take advantage of. Reading is another great one!

    Reply

  14. Andrew@LivingRichCheaply says

    I’m glad the weather is getting nicer so we can participate in more outdoor activities which are often not too costly. I love spending time with friends and family. While it’s possible to do potlucks, which I think is great…sometimes it’s tough for bigger groups in NYC since everyone has small apartments! Also a big fan of looking for deals on groupon and other sites…never pay full price!

    Reply

  15. Joshua says

    Hey Michelle, great tips here! Personally, I’m incredibly lucky when it comes to cost free enjoyment. I live in Oregon, a very green, very mountainous state. Because of where I live, I can ski and snowboard in desolate areas during the winter, during the summer months, there are all kinds of beautiful hikes through mountains, valleys, and across water falls. I spend $30 a year on a national forest parking pass and my fun is covered!

    Reply

  19. Barb says

    I agree with everything you said Michelle. I would like to add that most banks and credit unions will reward you for using your debit card as credit instead of debit when making purchases. The money is taken out of your account the same day, or at most a day or two. And, some credit cards, like Discover, will offer cash back in place of rewards. You can have the money put towards your credit card bill, you can have a check sent or a direct deposit.

    Also, before making a purchase from a discount site like Groupon, LivingSocial, and such, I will check to see if I can find discount codes. Many times (not always) I will find discount codes on sites like RetailMeNot for these discount sites. However, before I go to the discount site and make my purchase using the discount code I found I will go through Mr. Rebates, Ebates, Befrugal, or SavingStar to earn that extra percent they offer for going through their site to make the purchase in addition to using the discount code and getting deeper discounts.

    Reply

  20. Debt and the Girl says

    One of the best things about spring is re-discovering the great outdoors. There are so many nice trails and parks nearby that I rarely take advantage of. Same thing for the free events that the city offers in the summer. I am hoping that this year I go out and enjoy them as much as I can.

    Something I would add to the list would be hosting game nights with friends. (It would work perfectly with a potluck!) Some of the best nights I’ve had involved little more than a good old fashion deck of cards.

    Reply

  21. Amanda C says

    I really wish that Groupon and similar things were available where I live. I try to use them when I travel, but that’s about it. (Although, maybe it’s a good thing I don’t have these available to me – I can see myself buying things I don’t want/need just because there’s a deal.)

    I’ve been known to use my Student ID from time to time, too. I can understand why some people frown upon it, but like you mentioned, the discounts aren’t very much.

    Reply

  22. KK @ Student Debt Survivor says

    My dad and step-mom live in Florida and have in-state annual passes to Disney. I can’t remember what they cost, but it’s pretty inexpensive given then can go as much and as many times as they want. They’ve seen a ton of singers and performers for “free” (well the cost of the ticket). They bring their own food and water so the only thing that costs them money is the gas to get there.

    Reply

  24. Melanie@Dear Debt says

    Hiking, movies, and potlucks are great ideas! I also like naps 🙂 Maybe it’s just me, but I think they are a lot of fun, lol. You could play board games, go bike riding or have a wine and cheese party. Some of us pf bloggers did that last year — we each brought one cheese or wine, and got to sample a bunch.

    Reply

  26. lyle @ the Joy of Simple says

    Hey Michelle. Great bunch of ideas 🙂

    I use my local university to see free or cheap concerts, movies and theatrical productions.

    The of course there’s cheapie Tuesday nights at the cinemas…plus there’s plenty of dinners with friends.

    And as I work at a comedy club part-time, I get to see great comedic acts each week…plus I can invite friends to see a show so it all works out for everyone 🙂

    Take care and all the best.

    Reply

  29. Richard | http://www.FrugalityMagazine.com says

    One of the biggest lessons I’ve learned is finding free and low-cost hobbies that I enjoy. For example, I’m never happier than when I’m out in the countryside on a sunny day, digital camera in hand, taking wildlife photos. Truly the best days ever.

    However since buying my camera (of Ebay, for a good price) my costs are virtually zero. I take a packed lunch. I either walk or drive to my chosen location. I use rechargeable batteries in my camera. And that’s it; I’m set for the day.

    Finding these things that bring us true happiness without the need to spend much money are a key factor, I believe, in enjoying life without going broke.

    Reply

  30. Athena says

    Love these suggestions! I live in Arizona and we have some amazing trails in local parks that are beautiful. I need to remember to take advantage of them when the weather is nice!

    Reply

  31. Lena @ WhatMommyDoes says

    I thought I knew what this post was gonna say, but I was totally wrong! I like how you gave specific ideas for having fun without spending a ton of money. Isn’t it sad that I sometimes need to be reminded that the library is free? 🙁

    Reply

  32. DNN says

    I’m going to start reviewing soon many of the purchases I make because then I can earn some of my $ gUaP $ back and avoid going broke in the future.

    Reply

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