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In Part 1 I explained why I sometimes freelance for far less than my usual hourly rate, and how much I enjoy teaching others about personal finance and living well. Part 3 collects stories from people who have turned their passions into income and welcomes more contributions.
That conversation got me thinking about the many people who love work that doesn’t pay well — acting, music, the arts, social work, nonprofit work, low-level admin, service jobs, restaurants, retail, and more. There are probably more low-paying jobs than high-paying ones, and how satisfied you feel about pay often comes down to your outlook. Many new grads are simply glad to have any job. I’m not judging what your job should pay; I’m offering ways to live comfortably and build wealth no matter your income.
Adjust your expectations. Stop comparing yourself to others. In many countries even wealthy people live in small apartments. You don’t need a large house. Consider a smaller place, share with a roommate or two, and you might be surprised how little space you actually need. If you want privacy, visit the library or take a walk.
Use public transit, bike, or walk whenever possible. Cars are expensive to own and maintain; using cheaper transport will save money and reduce stress.
Take advantage of public resources. You already pay for parks, libraries, and community arts programs with your taxes — use them. Cities host many free events, especially around holidays.
Eat well on a budget. Keep meals simple and cook in batches. Meals like beans and rice are healthy, filling, and cheap — make extra and freeze portions. Buy seasonal produce and cut back on meat and processed foods; you’ll likely feel healthier and spend less.
Spend mindfully. Make overspending harder by avoiding temptation (don’t hang out at the mall) and plan your purchases. Think before you buy.
Save something, even if it’s small. Automate a transfer from each paycheck into a savings account so saving becomes a habit.
Get out of debt. Debt makes it hard to live on less. For guidance, check personal finance bloggers such as Consumerism Commentary, NoDebtMBA, Debt Sucks Blog, Debt Free by Thirty, Fat Guy, Skinny Wallet, and Money Help for Christians.
Enjoy what you have. Living well doesn’t require a big paycheck — it requires choices that match your values and priorities.
