99 ideas to help you get your head out of the water

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

1. Set a personal finance budget
2. Fix realistic budget goals
3. List your necessities expenses
4. List the rest of your expenses
5. Cut out of your budget what you can do yourself
6. Fix a grocery budget
7. Are you really using all the options of your health insurance?
8. Change for a cheaper insurer that provides the same service
9. Analyze your car insurances
10. Is your house insurance up-to-date?
11. Are you over-insured for any type of situation?
12. Such as travel insurance
13. Insurances for home appliance
14. Check your mobile phone network contract
15. Stop using your credit card
16. Always know how much money you have
17. Analyze your banking fees
18. Change bank
19. Beat debt by planning a massive payoff
20. Budget all of your expenses
21. Ditch the fitness subscription
22. Cancel your cable subscription
23. Try the cash envelope method
24. Or maybe the Dave Ramsey method
25. Find a good personal finance mentor
26. Open a savings account
27. Plan your retirement
28. Are you paying too much taxes?
29. Move to a cheaper place
30. Put money aside for a personal project
31. Only spend money you have
32. Be aware of your budget
33. Ask for help if managing your money is difficult

Spend less

1. Stick to your grocery budget
2. Always make a list before grocery shopping
3. Look at the grocery store deals when writing your list
4. Re-organize your pantry
5. Meal plan with what’s in your pantry
6. Buy only what is necessary
7. Buy in bulk when non-perishable necessity items are on discount
8. Quit eating unhealthy snacks
9. Eat less meat
10. Stick to your shopping list
11. Cook more
12. Eat your leftovers
13. Take your home-made lunch at work
14. Drink your coffee or tea at home
15. Limit as much as possible your eating out habits
16. Don’t have delivered meals
17. Drink tap water (if drinkable) instead of bottled water
18. Stop drinking sugary drinks
19. Avoid alcohol and cocktails
20. Set a no-spending period of time
21. Try to extend that “no extra expenses” period time
22. Don’t wander in shopping centers
23. Don’t go in a shop if you don’t need to buy a particular item
24. Take your time before buying a new item
25. Ask your grandma or mum if she has it before buying it
26. Borrow instead of buying
27. Sort out your clothes
28. Kon Mari method, what is that?!
29. Sell or give away what you don’t use in your home
30. Find minimalism ideas that you can apply
31. Read more frugal blog posts to find ideas
32. Find a toy library to borrow children games
33. Experience free activities

Better feelings

1. Go outside and breath
2. Walk for short distances
3. Ride a bike or go hiking
4. Find an active activity that suits you
5. Yoga is great 😉
6. Try something new
7. Meditate
8. Start a gratitude journal
9. Adopt a grateful attitude
10. Set simple life goals
11. Do a check-up at your doctors
12. Talk to a loved one that cares
13. Meet a loving friend
14. Express your feelings
15. Listen to music
16. Dance and sing
17. Draw or paint
18. Write your thoughts in a secret diary
19. Plan a special day out
20. Organize your next holiday
21. Take time for yourself
22. Slow down
23. Visit a nice place not far from where you are
24. Go to an art museum
25. Get a library free subscription
26. Say yes more often to your children
27. Say no, when you really don’t want to
28. Don’t put too much pressure on yourself
29. Do you love your job?
30. Smile when you’re happy
31. Laugh as often as you want
32. Cry if you need to
33. 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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