Invest in Yourself Without Spending a Fortune

Financial Wellness
min read

We’ve all written a new year’s resolution list. Set goals to become healthier and happier versions of ourselves.

But very few of us stick to it. And we should. We all deserve to be the best version of ourselves.

That’s where investing in yourself comes in. It’s the most profitable investment you’ll ever make because it will improve your overall mentality, allow you to thrive in every area of your life and shape your future.

Here are some definite ways to invest in yourself without spending a fortune.

Balance is key.

There’s a Buddhist concept called “The Middle Way“, which tells you to take a practical approach to life.

By avoiding the extremes of self-denial and self-indulgence, you’ll be able to find that happy medium.

Putting this philosophy into practice will help improve your life, no doubt.

For starters, you can spend an hour or so every Sunday to plan and prepare your meals for the following week.

You can stir fry your favourite protein (chicken, beef or tofu) with veggies in garlic and soy sauce and pair with quinoa or rice.

Then, store this in food containers, and put it in your fridge. And just like that, your lunch for the following week is taken care of!

And when you use Zilch for grocery shopping at Iceland, you can split your payments into 4 over 6 weeks with 0% APR.

There are plenty of online resources for quick, easy and healthy meals you can prepare, but our fave is fitness coach Joe Wicks’ “Lean in 15” recipes.

He also has tons of HIIT exercise videos on YouTube that you could easily slot into your schedule. Most of the workouts won’t even take you 20 minutes!

If you’d prefer starting with more chilled out exercises, you can go for yoga videos on YouTube. Or you could go jogging outdoors for half an hour.

Or maybe even cycle to work. Or, you could set a target number of steps per day. 10,000 steps is a good start for beginners.

Dedicating 90 minutes per week for meal prep and 30 minutes per day for exercise can make a big difference!

Show your skin some love.

A good skincare routine will make you glow. And no, glass skin is not exclusive to celebrities.

You can achieve it too, without the expensive facials and dare we say, injections. Yikes.

We all have different skin types. Finding the right routine boils down to finding the right products for your skin type and using them to cleanse, tone and moisturise.

The Inkey List and The Ordinary have affordable skin products for every skin type. Both brands also offer skincare guides depending on your needs.

Whether you want clearer, brighter, younger or more hydrated skin, they’ve got you covered. You’d be happy to know that both The Inkey List and The Ordinary are available at LOOKFANTASTIC.

And when you use Zilch, you can pay over time with 0% APR. Yay.

Here’s a simple and easy-to-follow routine.

In the morning, start with a foamy cleanser, followed by your choice of toner and moisturiser. Apply some sunscreen too with a minimum of SPF 25 for extra protection.

UV rays from the sun cause up to 90% of skin ageing so make sure to apply SPF daily for a youthful complexion.

At night, double cleansing is recommended. Start with a cleansing cream or oil to remove make-up and excess dirt.

Then wash your face with a foamy cleanser, followed by a night cream or anti-ageing moisturiser.

Don’t forget to apply some eye cream! And remember, drink a lot of water and get 8 hours of sleep every day to stay fresh and hydrated.


Do you easily get distracted? Or maybe you procrastinate when doing tasks for school or work?

Do you overthink before going to sleep? We’ve all been there.

It’s challenging to concentrate, especially if what you’re doing is dull. Being physically present but mentally elsewhere won’t get you anywhere.

Mindfulness is an important life skill to develop. And you can do this by meditating.

Nope, it’s not just for monks or yogis. Meditation is for everyone. But how do you even start? The easiest way is to find a quiet place where you can be alone.

Switch off the lights. You can light some incense or diffuse essential oils for an extra relaxing vibe.

Set a time limit. 5 to 10 minutes is perfect for beginners.

Close your eyes. Take a deep breath and slowly exhale. In your mind, count every breath you take. If your mind wanders, come back to the present.

Be mindful of the sounds and sensations around you. Focus on your breathing. When it’s time, gently lift your gaze and open your eyes.

You’ll be surprised at how light and calm you will feel after. With practice, you will be able to focus and de-stress more. You can listen to binaural beats too while meditating.

Or go for a guided meditation experience. The sky’s the limit.

Sit back, relax and read.

Switching off from the hustle and bustle of everyday life will bring you inner peace.

Curling up on the couch with a hot drink and a good book is a great way to unwind and let your imagination run wild.

Whatever you’re interested in, there’s always a book about it. From business to fashion, sports and your favourite celebrity’s life story. There are plenty of inspiring self-help books too that can guide you through the ropes of life.

But if fiction is your cup of tea, go for it. You can travel through time, relive important moments in history, fall in love, go to a different dimension or save the world.

Reading not only opens the door to new worlds. It also allows you to learn valuable life lessons or even new words to widen your vocabulary.

So pick up a book or get yourself one on Amazon. When you Zilch it, you can either split your payments into 4 over 6 weeks with 0% APR or pay all in one go to earn Zilch Rewards which you can use to discount future purchases.

You call the shots.

Stay on top of your expenses

Keeping track of how much you spend on your essentials and extras used to be an arduous task.

Thanks to technological advances, you can now use online banking and check all your transactions easily.

But having an app like Zilch that allows you to monitor all your purchases and spend responsibly with a personalised balance will make cash flow management a walk in the park for you.

On top of being able to buy what you need and want now and pay later with 0% APR at thousands of stores.

Shop at thousands more using Zilch Anywhere (APR example 11.50%)!

When you have your finances under control, you’ll get peace of mind that lets you enjoy life more.

So don’t forget to take care of yourself. Accept your flaws. Nurture your strengths. Give yourself time to recuperate, recharge and learn new things.

Savour every second you have. Make each moment count.

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