Practicing self-care on a budget (2024)

The challenges of recent years have led to an increase in mental health concerns for many people. A 2021 study on well-being and work culture by Mind Share Partners revealed that a significant number of workers in the United States, across different levels of seniority, have experienced mental health difficulties for extended periods of time.1

Fortunately, you don’t have to spend a lot of money to prioritize your psychological health. Here are five budget-friendly ways to help you practice self-care:

Practicing self-care on a budget (1)

Many people perceive self-care to be expensive. In reality, the most accessible self-care is often the simplest.

1. Get enough sleep

It may sound simple, but getting enough sleep can be challenging. Even if you’re exhausted at the end of the day, late-night activities such as binge-watching shows and scrolling social media can keep you awake. These activities take away essential minutes or hours of sleep that can make a difference in how you feel the next day. Remember that sleep is a critical part of restoring your mind and body. Set a bedtime that works with your schedule and stick to it to give your mind a restful night.

2. Get moving

You don’t have to spend money to get moving. There’s no need for extravagant equipment or pricey gym memberships to stay active. If you don’t have time for a full workout, even a brief 15-minute walk can alleviate stress and enhance your overall mental health. Basic exercises like crunches, squats and push-ups can also be effective. Take advantage of public spaces and the outdoors to get physical without spending a penny.

3. Balance your information intake

The continuous flow of information in today’s fast-paced world can be overwhelming. While staying informed is important, excessive exposure to news and information can contribute to stress. Making the choice to unplug periodically and engage in activities that uplift and relax you can contribute to a more positive mindset. You'll feel better as a result.

4. Eat smarter

Saving money is a great way to reduce stress, and cooking at home can be a cheaper and healthier alternative to dining out. You can generally feed a family of four at home for the same price as one or two at a restaurant. To make the best of your time and money, plan your weekly meals in advance, purchase only what you plan to use—and remember to look at the items you currently have in your pantry to avoid unnecessary purchases. Don’t shop when you’re hungry, when you might be tempted to stray from your list and resort to impulse-buying that won’t help your budget. These small adjustments will make a difference in the type of meals you eat and the money you spend.

5. Practice grounding

Grounding refers to techniques that can ease stress and anxiety by directing your focus to the present moment and noticing what’s happening within and around you. This can be challenging in a digital-driven, fast-moving world, but you can start by engaging your senses. For example, ask yourself questions such as, “What are five things I can see?” Look for small details or patterns. “What are three things I can hear?”

Pay attention to sounds your mind has tuned out, such as a ticking clock, distant traffic or trees blowing in the wind. By shifting your attention from overwhelming thoughts to your immediate surroundings, you can redirect your attention and put your mind at ease.

Self-care doesn’t have to be expensive

Adapting self-care practices to suit your budget is entirely possible. Remember that health is wealth, and the consequences of overlooking your well-being can be more costly in the long term. Even small changes can have a significant effect on your life—so make self-care a priority.

Additional reading:

Health as wealth: The balance between fitness and finance

Three steps to help you find a mental health provider

Five mindfulness techniques to reduce stress quickly

Practicing self-care on a budget (2024)

FAQs

Practicing self-care on a budget? ›

Fifty percent is for your essential needs, 30% for your wants and 20% for savings and investments. “The allocation can change depending on your financial situation and goals, but generally, your self-care budget should fall under the 5% to 10% range,” Meiggs said.

How to practice self-care on a budget? ›

16 Ways To Practice Self-Care That Cost Next To Nothing
  1. Spend some time outside. ...
  2. Clean and organize your living space. ...
  3. Reduce the amount of time you spend on social media. ...
  4. Do some journaling. ...
  5. Get better sleep. ...
  6. Meditate. ...
  7. Check in with yourself. ...
  8. Move your body.
Feb 13, 2020

How much do you budget for self-care? ›

Fifty percent is for your essential needs, 30% for your wants and 20% for savings and investments. “The allocation can change depending on your financial situation and goals, but generally, your self-care budget should fall under the 5% to 10% range,” Meiggs said.

What are the 7 pillars of self-care? ›

Each method of self-care fits into one of the seven pillars: mental, emotional, physical, environmental, spiritual, recreational, and social. A well-balanced self-care routine involves each of these, so avoid restricting yourself to just one or two pillars.

How do you take care of yourself with no money? ›

50 Self-Care Ideas {that cost little to no money}
  1. Read a book.
  2. Take a bath – add in bubbles, your favorite scents, or Epsom salts.
  3. Listen to a podcast.
  4. Make homemade birthday cards.
  5. Write in your journal.
  6. Plant an herb garden.
  7. Plan a fun night out for the weekend.

What is poor self-care? ›

What is self-neglect? Lack of self-care to an extent that it threatens personal health and safety. Neglecting to care for one's personal hygiene, health or surroundings. Inability to avoid harm as a result of self-neglect. Failure to seek help or access services to meet health and social care needs.

What are 5 self-care strategies? ›

Here are some self-care tips:
  • Get regular exercise. Just 30 minutes of walking every day can boost your mood and improve your health. ...
  • Eat healthy, regular meals and stay hydrated. ...
  • Make sleep a priority. ...
  • Try a relaxing activity. ...
  • Set goals and priorities. ...
  • Practice gratitude. ...
  • Focus on positivity. ...
  • Stay connected.

What is the 50 30 20 rule? ›

The 50-30-20 rule recommends putting 50% of your money toward needs, 30% toward wants, and 20% toward savings. The savings category also includes money you will need to realize your future goals.

How many times a week should I do self-care? ›

Weekly self-care are the tasks we can do once or twice a week. We want to do them often, but perhaps not too often, or we can't do them often enough. Weekly self-care routines can give us something to look forward to, plan our time around, and prioritize on a weekly basis.

What are the golden rules of self-care? ›

It is to respect, love, protect, and care for yourself each and every day. It is to let go of judgment and criticism and replace it with patience and gratitude. It is to move away from comparison and move toward appreciation.

What does daily self-care look like? ›

Self-care can help reduce stress, manage mental health conditions, and improve physical health. Self-care activities can take many forms, such as taking a break, meditating, getting enough sleep and rest, reading a book, and learning to be kinder to oneself.

What is financial self-care? ›

Financial self-care is a concept that focuses on mindfully managing your finances and nurturing your relationship with money. It's not just about responsible decision-making, however; it's about making intentional financial choices that reflect your personal values and life goals.

How to treat yourself when you're broke? ›

Sticking to a budget is key to meeting your financial goals, but you can still reward yourself in moderation to stay motivated. You can treat yourself without breaking your budget by taking a staycation, having a picnic and taking advantage of free library resources.

How to love yourself without spending money? ›

FREE ideas:
  1. Going for a walk / run.
  2. Dancing to music you love.
  3. Taking a bath.
  4. Taking a nap.
  5. Eating healthy.

How to take care of yourself when you're broke? ›

How to Practice Self-Care on a Budget
  1. Tip #1: Get outside. ...
  2. Tip #2: Take a bath. ...
  3. Tip #3: Stay hydrated. ...
  4. Tip #4: Get some sleep. ...
  5. Tip #5: Stretch. ...
  6. Tip #6: Read more. ...
  7. Tip #7: Say no. ...
  8. Tip #8: Declutter your space.

What are the 4 basics of self-care? ›

Below are several examples of how you can nurture yourself and make self-renewal a part of your everyday life in the four areas of self-care: physical, emotional, spiritual and mental. Be kind and loving to your body – appreciate your body.

How can I practice real self-care? ›

Here are a few real-life examples of how people practice self-care:
  1. Taking a bubble bath and reading a book.
  2. Going for a walk in nature.
  3. Spending time with friends and family.
  4. Attending a yoga class.
  5. Cooking a healthy meal.
  6. Journaling about their thoughts and feelings.
  7. Taking a break from technology and social media.
May 8, 2024

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