This is the ultimate list of 99 ideas to help you get your head out of the water. Many situations are overwhelming, obviously, money issues come first in our mind when thinking of getting our heads out of the water, but it isn’t the only one.

Should it be money worries, health problems or sorrow, it’s always nice to have a reminder that small changes can go a long way…
Let’s jump in the list and find a small path to happiness in this crazy world.
Money planning
- Set a personal finance budget
- Fix realistic budget goals
- List your necessities expenses
- List the rest of your expenses
- Cut out of your budget what you can do yourself
- Fix a grocery budget
- Are you really using all the options of your health insurance?
- Change for a cheaper insurer that provides the same service
- Analyze your car insurances
- Is your house insurance up-to-date?
- Are you over-insured for any type of situation?
- Such as travel insurance
- Insurances for home appliance
- Check your mobile phone network contract
- Stop using your credit card
- Always know how much money you have
- Analyze your banking fees
- Change bank
- Beat debt by planning a massive payoff
- Budget all of your expenses
- Ditch the fitness subscription
- Cancel your cable subscription
- Try the cash envelope method
- Or maybe the Dave Ramsey method
- Find a good personal finance mentor
- Open a savings account
- Plan your retirement
- Are you paying too much taxes?
- Move to a cheaper place
- Put money aside for a personal project
- Only spend money you have
- Be aware of your budget
- Ask for help if managing your money is difficult
Spend less
- Stick to your grocery budget
- Always make a list before grocery shopping
- Look at the grocery store deals when writing your list
- Re-organize your pantry
- Meal plan with what’s in your pantry
- Buy only what is necessary
- Buy in bulk when non-perishable necessity items are on discount
- Quit eating unhealthy snacks
- Eat less meat
- Stick to your shopping list
- Cook more
- Eat your leftovers
- Take your home-made lunch at work
- Drink your coffee or tea at home
- Limit as much as possible
your eating out habits - Don’t have delivered meals
- Drink tap water (if drinkable) instead of bottled water
- Stop drinking sugary drinks
- Avoid alcohol and cocktails
- Set a no-spending period of time
- Try to extend that “no extra expenses” period time
- Don’t wander in shopping centers
- Don’t go
in a shop if you don’t need to buy a particular item - Take your time before buying a new item
- Ask your grandma or mum if she has it before buying it
- Borrow instead of buying
- Sort out your clothes
- Kon Mari method, what is that?!
- Sell or give away what you don’t use in your home
- Find minimalism ideas that you can apply
- Read more frugal blog posts to find ideas
- Find a toy library to borrow children games
- Experience free activities
Better feelings
- Go outside and breath
- Walk for short distances
- Ride a bike or go hiking
- Find an active activity that suits you
- Yoga is great 😉
- Try something new
- Meditate
- Start a gratitude journal
- Adopt a grateful attitude
- Set simple life goals
- Do a check-up at your doctors
- Talk to a loved one that cares
- Meet a loving friend
- Express your feelings
- Listen to music
- Dance and sing
- Draw or paint
- Write your thoughts in a secret diary
- Plan a special day out
- Organize your next holiday
- Take time for yourself
- Slow down
- Visit a nice place not far from where you are
- Go to an art museum
- Get a library free subscription
- Say yes more often to your children
- Say no, when you really don’t want to
- Don’t put too much pressure on yourself
- Do you love your job?
- Smile when you’re happy
- Laugh as often as you want
- Cry if you need to
- Be proud of your small steps forward!
All in all, this list is a reminder. If we give ourselves the opportunity to change small things in our way of living, we can actually live a better and fuller life.
Keep in mind that Happiness isn’t given, it is something you create.
When was the last time you tried something new or enjoyed a simple moment?
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