When I began my debt-freedom journey one of the biggest issues that I worried about was how my life would change.

Now, let’s think about that for a moment.

I was financially overextended, stressed out, and dealing with chronic anxiety from all of the debt that I was dealing with. But, my biggest concerns were:

  1. Would I lose the lifestyle that I had paid too much for?
  2. Would I have a somewhat normal social life during the debt repayment process?

Like many people, I spent a lot of money on going out to eat, trips, fashion, and fun. I thought that paying off debt would mean an end to all of that.

I soon discovered that I could have had all of those things in my life — if I reimagined how those wants would have a place in my life without financing them with debt.

Fortunately for you, I’ve figured out a ton of ways to have an amazing life doing pretty much the same stuff as before for free (or cheap) without affecting the quality of my experiences.

Get free stuff: how this works.

First, you actually have to believe that there are cool, fun, free, and amazing things that you could be enjoying right now!

I continue to be amazed by all of the free stuff that I get to do on a monthly basis. Tequila tasting and class? Check! Mixology class? Check! Professional development workshops? Check! Free travel? Check! I’ve done them all.

Now, you’re probably wondering: where on earth I’m finding all of these free events and resources?

Before I begin looking, I make sure that I am very clear about the free stuff I’m looking for. I’m specifically interested in the following types of free goods and services:

  • Experiences that enhance my social life.
  • Ways to educate myself for free.
  • Professional development opportunities.
  • Travel
  • Delicious meals
  • Classes
  • Clothing
  • Coffee (ahem)

I do not look for the following free goods and services:

  • Fast food-I don’t eat it.
  • Professional services such as hair care. I’ll pay for that or do it myself!

Once I know what I want, it becomes very easy to get free stuff I’m looking for. I will be candid and say that it the bigger the city you live in the easier it is to find free goods and services. However, there are freebies everywhere, so don’t count out your small town.

Networking.

Your network doesn’t have to be huge, but, it helps to know people.

Spend some time actively meeting new people in your community at least once a month. Volunteer, attend regular meetings, basically be the person who shows up regularly, is helpful and shares cool tips and information with the people that you’re meeting.

Likewise, they will share similar information. I can’t tell you how many great deals I would have missed out on if I didn’t have the network that I do. Just having that network has clued me into awesome musical performances, cool classes, and insider tips and deals.

Meetup.com.

I’m officially obsessed with this amazing resource.

If you’re not familiar with Meetup, it was created in New York City after the aftermath of the 9-11 attacks. It was a way to create and grow community.

Since then, it has morphed into a way to an incredible community building resource internationally. Here are examples of some of the free things that I’ve attended via Meetup: mixology classes in Denver (and may have gotten really drunk), hiking in the Blue Mountains of Australia, and digital marketing classes for my online business to name a few.

You can even find people for activities like book clubs, board game nights, and diner’s clubs. With meetup, you can find cool things to do and meet interesting people without spending a lot of money.

How does Meetup work? Well, it’s free to sign up for 95% of Meetup groups. Some group organizers will have a small fee to sign up, but I’ve never seen anything over $5.

The wonderful thing about Meetup is that the group leaders get group pricing for the different events that they put together. You get discounts, or even split the bill, making it cheaper for everyone.

In larger areas, for larger meetup groups, it’s also possible to connect with sponsors — like the large whiskey producer that provided the free mixology class that I attended. Free booze and lessons on how to mix up? Score!

Facebook Events.

In the past couple of years, I began paying more attention to the Facebook Events being shared in my feed.

I was amazed to find that there were so many free and inexpensive things to do in my town. I discovered that businesses often create one-off free events to get people to come in their doors and hopefully get enticed into continuing to come back for more.

Some events were to celebrate an anniversary or special event such as the Aspen-Snowmass 50th anniversary. They sold $6.50 lift tickets for a day of skiing. I’m on the lookout for other ski resort anniversaries in the upcoming years.

From live music at a local venue, to lectures in the park, to team trivia nights, to free help with your taxes, pay attention to Facebook Events. When you mark that you’re interested in something, you might be surprised that similar events appear in your feed. Many of these events are free or cheap.

Google it.

Your city probably hosts a ton of local events that you may be unaware of. Spend some time researching free or discounted days at the following places:

  • Museums
  • Recreation centers
  • Libraries
  • Botanical gardens
  • Coworking spaces

Because it’s the beginning of the New Year this is a fantastic time to spend half an hour looking for free fun for the year to come. Put the events on your calendar now!

Plus, Google is a great way to find promo codes. Before I buy something online, I do a quick search to see if I can get a percentage off — or even get free shipping.

Volunteer.

I enjoy volunteering as much as the next person, I just think people spend time thinking about the value of their time. Basically, I’m at the point where I want to get paid for everything that I do.

That said, volunteering is a great way to gain access to festivals, sporting events, and more. Want to check out the music festival? Volunteer to help set up the stage, doing some cleanup, or collect tickets. I know EMTs who volunteer in their off-hours to be available about sporting events and concerts. They get free admission and most of the night is usually slow.

However, I encourage you to spend some time thinking about the value of your time and the event that you would like to attend. Sometimes, it’s worth it to just pay the money and have a relaxing experience.

Create an Event.

This year I plan on creating the events that I would love to attend. I would also like to be paid for them as well (we’ll see how that goes).

Depending on the type of event that you’re creating this could be a huge time commitment. Again, don’t do this for free if it’s something that you should be paid for.

But, if you can organize a big enough event, you might be able to get sponsors and others to pick up the cost. Have fun, raise your stock in the community, and maybe get paid, too. That’s not bad for a day’s work.

Have fun.

Enjoy the journey as you find awesome events to attend throughout the year.

I love how I’ve saved thousands over the past year by spending a brief amount of time each week to find ways to continue to enjoy the same quality of life without going broke.

You can, too. It turns into a quest — one you can achieve with a little effort.

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Getting out of the paycheck-to-paycheck mode is about more than just spending less. Erin Lowry from Broke Millennial explains how to stop scraping by. Read More...

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Show Notes

Are you tired of scraping by, living paycheck to paycheck? Erin Lowry from Broker Millennial joins us to share strategies on how you can get out of your financial rut.

Erin Lowry is a millennial personal finance expert and the founder of BrokeMillennial.com. She’s also the author of the forthcoming book BROKE MILLENNIAL: How to Stop Scraping by and Get Your Financial Life Together. Lowry has contributed to Forbes, Business Insider, New York Magazine’s The Cut and U.S. News & World Report. Some of her insights have been featured by outlets including: CBSSunday Morning, USA Today, Wall Street Journal, Newsweek and Marketplace Money. Lowry lives in New York City with her spunky rescue dog Mosby.

Watch the live video above or listen to just the podcast audio by using the player below.

Hosted byMiranda Marquit
Produced byadulting.tv
Edited and mixed bySteven Flato
Music bybensound.com
Erin Lowry

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Let’s be honest: when we talk about being a cheap holiday Grinch, it’s about the money. The good news is that you can spread holiday cheer without breaking the bank. Read More...

This episode originally aired on December 10, 2015.

Are you a cheap holiday Grinch?

As an adult, you need to realize that you have responsibilities to others. During the holidays, society expects you to give to others and tips a little extra. You don’t want to be the cheap holiday Grinch that others despise.

We take a look at giving, how to properly tip, and what it means to spread holiday cheer.

Our Do Nows help you identify who needs a tip, as well as strategies to help you enjoy the holidays without breaking the bank.

Concepts

  • The realities of holiday tipping in our society.
  • Who should you be tipping? And how much should you give?
  • What makes you a cheap holiday Grinch?
  • How to enjoy time with family and friends during the holidays without spending more than you can afford.
  • Tips for writing a holiday note or card to add extra holiday cheer.
  • How to maintain relationships throughout the year.

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Resources

Country LivingInexpensive and easy DIY gift ideas for the holidays.
Emily PostVisit the Emily Post Institute for tipping etiquette
Hosted byHarlan Landes and Miranda Marquit
Produced byadulting.tv
Edited and mixed byHarlan Landes
Music bybensound.com

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Here’s what you need to do to set up your first kitchen for success. Read More...

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Disclosure: Adulting.tv may be compensated if you take action after visiting certain links in this article at no cost to you. We stand by our editorial integrity and would not be linking to or discussing this topic if we didn’t believe it was in the best interest of you, our audience.

What are the essential items you need to set up your first kitchen? If you’re on your own for the first time, this live podcast episode is essential for making the most of your money and creating a space that comfortable for cooking and gives you the opportunity to be successful in the kitchen.

Regardless of your cooking philosophy, Erin Chase will guide you through making the best decisions for stocking your first kitchen.

Erin is the founder of $5 Dinners, $5 Meal Plan, Grocery Budget Makeover, and MyFreezEasy.

Listen to just the audio by using the player below.

Hosted byHarlan Landes and Miranda Marquit
Produced byadulting.tv
Edited and mixed bySteven Flato
Music bybensound.com

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It feels really great to save money, so do that. Read More...

Some people think that being frugal is the same as being cheap.

It’s not.

Being frugal is a lifestyle. Being cheap is a quality.  Neither is better than the other; they’re just both very different.  Being cheap is also considered a negative quality when in reality it’s another way of being financially responsible.

Being frugal ≠ cheap.

The difference between the two is that being cheap means you probably won’t spend money on anything of extreme value and you won’t pay for high quality. You are most likely to buy the item at the lowest cost.  And that’s O.K.  Being frugal means you plan where to spend your money and you don’t mind spending on quality as long as you’re getting the best deal possible.

Being frugal may also have a negative tone because frugal people are often considered cheap.  That’s a big misconception and, like I said, neither one is bad.  In fact, if everyone in the world lived a little more frugally and let themselves be cheap once in a while we would all probably have more savings and less debt.

Frugal = self control.

No one says that counting pennies isn’t smart. Well maybe they do, but they’re wrong.  If you take the time to compare prices, shop around, and really think twice before spending money, you have incredible self-control. That’s never a bad thing.

Avoiding impulse purchases and overspending (even on necessities) is a smart way to live because it makes sure you live within your means. It also helps you stay away from using credit cards just to make ends meet every month.

It may take more effort to say no to your favorite cookies at the supermarket because you don’t really need them or skip buying those new shoes because they aren’t on sale, but your bank account with thank you for the savings.

Saving is a natural high.

Think about the last time you saved $1.00 on bananas or $100 on a hotel room. Didn’t you feel great?  I know I did.  Saving money, even $0.50, is a great feeling. It means your hard earned money is going to work for you instead of you working for it.  Think about how much extra cash you would have in your pocket each month if you stretched every dollar to its possible limit.

Saving money is natural high and the only way to get that buzz is to spend less than you earn and buy things at lower prices than you planned.  Living on a budget is great, but living below budget is even better.

Use apps to make a grocery list to avoid impulse purchases and sign up for mailing lists to get weekly flyers. Find the lowest prices on everything from milk to bedroom furniture.

Being frugal gives freedom.

When you save money on one thing you can spend that money somewhere else.  Paying less for everything in your life opens doors for new opportunities.  Maybe being frugal helps you take an overdue vacation. Perhaps your frugal choices give you the new roof your house desperately needs. Maybe frugality helps pay off your student loans faster to avoid interest charges.  Whatever the reason, living on less helps you do more.

If you need motivation to save more money and live more frugally, make a list (or dream board) of all the things you want to do in life.  Prioritize these items realistically and start saving towards your number one goal.  You may even want to open a separate bank account to watch your savings grow.  Remember that every dollar saved is another step towards your goal.

All thanks to being frugal.

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