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22 Ways to Treat Yo’ Self Without Spending Money

March 1, 2017
22 ways to treat yo self without spending money. Save money on self-care. Cheap Self-care.
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Need to treat yo self? Need to do it on a budget? Today we’re going discuss exactly how you can do just that.


Do you have a bad habit of spending all your extra coins when it comes to treating yo self? You know, you have a bad day at work so you decompress in the shoe department?

Or maybe you’re a stress eater like me so you make your way to the ice-cream aisle and buy one (or two) quarts of ice cream and stuff your worries away?

We all have our vices and regardless of whether it’s a new pair of unneeded shoes or extra junk food, it can hit your wallet hard over time.  Considering that 63 percent of Americans can’t even come up with $500 in the event of an emergency, I’d say that we all could use a lesson in how to treat ourselves without spending money.

The best thing that can come out of learning to do this is that we keep our stress levels down and we stash a little more money in the bank. What could possibly be better than that? So, let’s get into these things that you can do to treat yo self without spending money.


Bonus: Download 65 More Cheap or FREE Things to Do! It’s definitely possible to have a life and a budget!


22 ways to treat yo self without spending money. Save money on self-care. Cheap Self-care.


22 Ways to Treat Yo Self Without Spending Money


1) Pick up a book and read it.

This may involve some creativity. Sometimes I have to read a book with a toddler’s butt in my face (don’t ask) or I’ll even lock myself in the bathroom sometimes. I get it in by any means necessary.


2) Take a nap.

I don’t get to do this often, but when I do, my hubby knows to leave me the heck alone and let me finish my nap. It’s no fun waking up a grouchy toddler that doesn’t get their nap in and it’s even worse if that grouchy toddler happens to be 33 years old:)


3) Go visit your girlfriend.

You may not get to see your friends as much as you used to, but taking out even just an hour or two to see them is refreshing. It’s even more refreshing when your kids stay at home with dad.


4) Shave!

Omg!  I don’t get to do this as often as I would like, but there’s just something about having a pair of freshly shaved legs. Especially when you’re slipping those legs into a pair of pants or laying in the bed at night. Take a little extra time for yourself and get this act of cheap luxury on. Bonus points if you shave using coconut oil!


5) Meditate.

Get up early or stay up late. Take at least 15 to 20 minutes each day and meditate. I’m trying to do this more often and practice mindfulness. It’s no easy feat when you have a short attention span but keep at it. You’ll be thankful you did.


6) Tune out with some tunes.

While working or writing, I like to put my headphones on and listen to my favorite music. Sometimes my mood calls for a specific kind of jam, but music seems to mellow me out and help me chill.


7) Popcorn and Netflix.

Sometimes after I put the kids to bed there is nothing more I want to do other than chill, watch Netflix, and eat some popcorn. Especially during the summer when OITNB is on. Oh and let’s not forget Luke Cage. Summer ‘16 was pretty good for Netflix, wasn’t it?


8) Color.

Raise your hand if you still proclaim to be the best colorer? My hand is raised! I used to spend hours coloring and sometimes I sneak my kid’s crayons and coloring books and have a good ole time. But nowadays they’ve got these cool adult coloring books I refuse to spend a dime on. So if you’re cheap like me, check out these free adult coloring pages.


9) Take a bubble bath.

And if you have a deep soaking tub, I’m totally jealous.


10) Check your city calendar for free events.

Sometimes there are free museum nights, free festivals, and free classes available in your local area. All you have to do is keep your ear to the ground about these freebies or set up a local Google alert and have them delivered straight to your inbox.


11) Have fun with the kids.

Let’s admit it, when they aren’t driving us crazy, the kids can be pretty fun too. Head outside with the kiddos and play a game of catch or treasure hunting or something. If the weather is right, head to the park!


12) Set up positive quote calendar alerts.

Get rid of all those negative beliefs and self-talk with positive affirmations. Set up regular reminders to pop up on your phone that will give you a boost when you likely need it the most. I like to use abundance affirmations like “You deserve to live a rich life” or “Money loves to take care of you.”


13) Have some tea.

Do you love getting in some quiet time with a good cup of tea?

Me too.  Go have some why don’t you?


14) Complimentary make-up lesson at the mall.

If you’re like me and don’t know a darn thing about putting on make-up, go to the mall and look for brands that offer a complimentary session. You might just learn a thing or two.


15) Write in your journal.

Clear your mind of some of that mental clutter and dump it all out in your journal.


16) Go exercise.

This isn’t one of my favorite ways to spend my time, but it is refreshing nonetheless.


17) Open up a savings account.

Now, this is more like it. I love saving money and it’s definitely a treat to see it accumulating in the bank. Open up an online savings account to save money for a guilty pleasure.


18) Take the day off and just do nothing.

Call in sick, plan a day off, whatever. Just take the day off from work and use it to do absolutely nothing. This is easier said than done, however.


19) Have sex.

No explanation necessary.


20) Go on a walk.

Take a stroll in your neighborhood or along a local walking trail. Give yourself some time to think and get a little exercise in while you’re doing it.


21) Declutter.

You can get rid of a bunch of stuff you’re no longer using. Not only that, but you may just find something to use too. I mean, what if you find a new book that you’d forgotten about? Or maybe an old cd you haven’t listened to in a while.

Decluttering could help you get rid of stuff, earn some money on unwanted things, and find a new use for things all at the same time.


22) Call a friend you haven’t talked to in a while.

I don’t call people nearly enough (only my mom) so I could certainly use this treat. Pick up the phone to talk to a friend you haven’t talked to in ages. It may be the chat you need.


Bonus: If you need a new hobby or creative outlet, consider starting your own blog. You could start a blog for a little under $50 for the entire year. Check out my guide on how to start a blog on a budget.


Wrapping Thangs Up

It’s important we learn to take care of ourselves and we get bonus points when we do it while taking care of our financial health. We live in a society that encourages heavy consumption. People mistakenly tie their levels of consumption to their self-worth.

Well, I’m here to tell you that you are worthy of treating yo self and you’re also worthy of being financially well off while doing it. So make sure you engage in some of these acts of self-care and save some money too. You totally deserve it!


What ways do you like to treat yo self without spending any money? Share them with us!

Need More Ideas?

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Latoya Scott
CFEI/Social Entrepreneur
Latoya Scott is a Certified Financial Education Instructor and personal finance writer with a mission to help millennials learn how to stop living paycheck to paycheck so they can become financially carefree.

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  • Kari Sayers March 1, 2017 at 3:27 am

    I love this list! Reading a good book and taking a nap are definitely my go-to strategies for self-care on a budget. This year I’ve made it a habit to read one non-business related book per month just for pleasure and it feels great! Going to put some of your other ideas into practice. Thanks for this!!!

    • Latoya Scott March 1, 2017 at 1:53 pm

      You’re welcome, Kari:)

  • Felecia Monique March 1, 2017 at 5:00 pm

    11, 19, and 21 are my faves!!! I get so disconnected from having fun with my son while being focused on being the disciplinarian and super mom. Great tips!!
    Felecia Monique recently posted…Why I Got Cheated on for Five YearsMy Profile

    • Latoya Scott March 1, 2017 at 11:14 pm

      Lol! Me too:) Thanks!

  • Donna Shana March 1, 2017 at 10:50 pm

    This is an amazing list! I need a netflix day, a declutter day, a sleep in day! I will get in it.

    • Latoya Scott March 1, 2017 at 11:14 pm

      Man, all three of those would give me life right now!

  • We're All Poor Here March 1, 2017 at 11:56 pm

    I can’t decide between 2 and 19 as being my faves on the list. It’s a shame they can’t both be done at once!

    • Latoya Scott March 2, 2017 at 12:03 am

      ROFL!!!! I wish you could have seen me hurrying back to my post to see what number 2 was. I already knew what number 19 was! Lol! But I’m pretty sure someone has that mastered!

  • Aija March 2, 2017 at 1:18 am

    I shop when I’m bored. Checking the free events in my city is my go- to move. I live in DC. we have lots of free!!
    Aija recently posted…Day 1: BossChix Network 31 Day ChallengeMy Profile

  • Joyce Brewer March 2, 2017 at 12:40 pm

    Love this. I’m on a bit of a spending freeze especially as I try to make it through the summer w/ camp costs, etc.
    Joyce Brewer recently posted…4 Reasons Paper Coupons May Be a Complete Waste of TimeMy Profile

  • Mimi Green March 2, 2017 at 4:44 pm

    I used to be that girl. There was nothing like retail therapy to make everything better. Now I channel it by binge watching shows on TV. I like your suggestions a bit better.
    Mimi Green recently posted…Comment on Genuine Magic was Made in a Room Full of Promising Black Bloggers and PR Experts by MimiCuteLipsMy Profile

  • LaShawn March 2, 2017 at 7:43 pm

    Listen. Taking the day off from work to do nothing and nap is my favorite way to treat myself.! And bubble baths. Bubble baths are the BEST

  • Kasi March 2, 2017 at 9:13 pm

    These are all great suggestions! I love a good bubble bath and I certainly love naps, to name a couple!

  • Elle (CleverlyChanging) March 3, 2017 at 1:01 am

    This is a list that will keep us grounded and happy. We don’t have to wait for someone to treat us, we know what we like and we can make ourselves happy.

  • LaQuisha March 6, 2017 at 1:02 am

    Many need to learn to just spend time with themselves period, lol. I love reading and bubble baths!
    LaQuisha recently posted…GlamHer Maxi DressMy Profile

    • Latoya Scott March 6, 2017 at 1:21 am

      Me too! And if I had a deeper soaking tub, I’d probably live in it!

  • Holly March 8, 2017 at 2:59 pm

    lol “ explanation necessary.” I could def use a nap, a day of doing nothing, and just watching some movies.
    Holly recently posted…ECHO Oceanfront Restaurant on St. Simons Island, GAMy Profile

  • Lillie Lewis March 9, 2017 at 11:56 pm

    I enjoy reading all of this !! y’all are something! I’m gonna try this! I don’t know about the nap! I have a problem sleeping in the day time! I might miss something!!!…loL

  • Megan March 10, 2017 at 2:01 pm

    OMG this list is perfect! I’ve been trying so hard to contain our money and funnel it towards debt, but sometimes you really need a break! This is a perfect way to get the best of both worlds, thank you!

  • Debbie April 4, 2017 at 4:40 pm

    Great list, thanks for sharing!

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