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How to Invest in Yourself and Make it Pay Off

Updated on October 10, 2016
Rochelle Frank profile image

Living the simple life in a rural area for the past 20 years, Rochelle has experienced, wild critters, power outages and some life lessons.

That skinny fruit tree, with just a few apples,  might surprise you one day if you give it a little more attention.
That skinny fruit tree, with just a few apples, might surprise you one day if you give it a little more attention. | Source

Money isn't everything.

Maybe you don't have any money to invest right now, but there are still opportunities you can buy into which will continue to grow in value. Some will make your life better now and give you a sense of security. Others will pay off with time.

Invest your time, dedication, effort, patience, attention and your curiosity. Even when the economy seems stable or improving, people may not be willing to invest in pieces of paper that promise dividends in dollars and cents. If you invest in yourself, adding to your knowledge and your skills. The payback can be substantial.

Invest for GROWTH in the long term:

A retired couple planted some rather spindly fruit trees ten years ago, she doubted that they would ever see much fruit. If they did, it could take a good long time.


It's a bit surprising how fast ten years can pass.


There were plums to make into jam last year. This season she made applesauce, and they have enjoyed some delicious pears and cherries.


One thing is sure-- the trees will be there longer than they are. Someone else will find them even more productive and useful. It is an investment in their own future and it will be a gift for future generations.

You know yo need to exercise and eat better. Get started on one thing.
You know yo need to exercise and eat better. Get started on one thing. | Source

Invest in your health:

All of us know what we should and shouldn't be doing to stay healthy. The information is everywhere.

Cutting down on the harmful habits, improving your nutrition, reducing stress, getting more exercise and rest-- all of these will pay long range dividends in improved health and a better quality of life. If you are healthier, you will also have fewer medical bills.

Start by making a list of things YOU could personally do for better health. If you are honest, your list may seem intimidating all at once, but most people can make one or two improvements right away. Start with one easy step. It will be a step in the right direction and the beginning of a worthwhile journey.

Hit the books -- or just use the internet to learn more.
Hit the books -- or just use the internet to learn more. | Source

Invest in knowledge and skills:

Make yourself an expert in a basic or practical area, by learning something that people might need in tough times.


Learn about solar power, shoe repair, plumbing, cheese making, first aid, beekeeping, soap making, knitting, sewing, carpentry, canning, upholstering or any number of practical skills that have gone out of fashion.


Do you have a skill or knowledge that might be bartered, taught or shared? If not, maybe it's time to learn something new. It can give you a special sense of satisfaction.

Can you find a community college course in cabinetry or welding? Can you take an online course in bookkeeping, accounting or tax form preparation? Can you do your own research on learning something that might be a money-making hobby or be helpful for yourself or others?


Can you check out or buy a couple of books to learn some new skills? It might tun into a way of trading services for things you need. You might learn a little more about first aid, archery, bike repair or just make yourself an expert on something you already know a little about.

Invest in something with NO obvious return:

If you volunteer your time with a group that helps others or supports your community, you will meet new people, make contacts, learn new things, open doors in your mind and perhaps even give yourself new insight and empathy.

Your neighborhood will be more connected caring and productive. You will have more people to share with.

Invest in relationships:

Your relationships to family and friends can be worth a lot , especially when you need help. We are social creatures who like to help each other out, and all of us need a hand sometimes. Building good will is practical and good for the soul. Keep the channels of give-and-take open.

Invest in your past:

Find the stories, photos, letters and maps that tell your family history. Write them down, put them into books or online. They will inspire your grandchildren when they face their own life challenges.

Don't let the knowledge and experience of past generations disappear. Preserve the positive values of the past.

Source

Invest in Creativity:

Can you play a musical instrument? Maybe you can learn. Can you tell a good story or organize a game?

Can you teach someone how to draw or sculpt? Do you know how to make handmade gifts from yarn or cloth? Develop your natural talents and you will find a use for them that will inspire others and make them happier.

Invest in Your Spirit:

Studies have shown that people with a spiritual philosophy or practice are often healthier and less stressed. Just spending some quiet time in focused relaxation, contemplation, meditation or prayer can pay surprising dividends. Look into the wisdom that has been written down and revered for generations. Dust off your Bible.

What can you do to make things better?

If you do have some money...

If you have some real cash to invest, some might be put into a piece of land that can support a garden. Perhaps a house or a workshop equipped with some alternative energy sources might make you more secure and inspire your creativity.

You might also consider buying quality tools that will last a long time and can help repair or produce something of value.

All material things are at risk. Fire, flood, storm, rust and rot may destroy them, but the intangible ones aren't as easily stolen, lost, or demolished.

In times of economic insecurity, when some are losing faith in monetary systems and financial investments, maybe it's time to take a closer look at investing in things that keep their worth.

Some may be material, but your knowledge, your personal values, and what you can teach, or produce with your own brain and hands will be something valuable that you can use now, and pass along later.

How are you investing in yourself?

(Please share this link if you think it might be helpful to others.)

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    • Sue Adams profile image

      Juliette Kando 7 years ago from Andalusia

      I love this hub because I agree with you Rochelle that investing in yourself pays enormous dividends. When all your wealth is within you, it can never be lost. Besides, when you share your skills for free, others reciprocate. It is so nice to "do business" never mentioning the dirty 5 letter word: m...y.

      The video is nice too. Nice thoughts and nice music. The images at the end of the video are like the beginning of a meditation when the mind enters a restful and regenerating place, a place that cannot be described in words.

    • Rochelle Frank profile image
      Author

      Rochelle Frank 7 years ago from California Gold Country

      Thank You, Sue. I hope he stops by.

    • alekhouse profile image

      Nancy Hinchliff 7 years ago from Louisville, Kentucky

      Very nice, Rochelle. I really liked this and everything you said was so true...such valuable investments.

    • jacobkuttyta profile image

      jacobkuttyta 7 years ago from Delhi, India

      I like this hub. Very useful and informative.

      Thanks for sharing it with us.

    • wyanjen profile image

      Jen King 7 years ago from Wyandotte Michigan

      Invest your curiosity... What a nice concept.

      Curiosity is a real commodity!

      Thanks for an inspiring hub Rochelle :)

    • Sweetkisses9187 profile image

      Sweetkisses9187 7 years ago from Essex, Maryland

      I really like this!

    • Rochelle Frank profile image
      Author

      Rochelle Frank 7 years ago from California Gold Country

      Thank you, all. All of these points are something everyone already knows. I almost didn't post it-- but sometimes I get tired of hearing people talk about what they don't have. Everyone can find values in themselves and even improve them.

    • Marisa Wright profile image

      Marisa Wright 7 years ago from Sydney

      Rochelle, I loved the example of the trees. Many times in my life, I've contemplated an action, then decided against it, because the pay-off was too long term and I wasn't sure if I'd be there to see it. I always regretted it - as you get older, time passes faster than you think!

    • Rochelle Frank profile image
      Author

      Rochelle Frank 7 years ago from California Gold Country

      Thank you, Marisa. (and yes-- the example is us.) My husband is still planting fruit trees every year.

      We will enjoy them for several more seasons, I hope, but we should all try to leave something of value for another generation or two.

    • GiftedGrandma profile image

      GiftedGrandma 7 years ago from USA

      Truly amazing hub...so true..greatest advice to be given..thanks

    • dohn121 profile image

      dohn121 7 years ago from Hudson Valley, New York

      You gave nothing but good, sound, practical advice here, Rochelle. Thank you so much for sharing this with all of us. Much of what you talked about has sure fallen by the wayside, especially in this day in age where everything seems to need a quick fix. Not only will readers that read this will have a better idea on how to save money, but improve their quality of life.

      Thank you!

      Dohn

    • Springboard profile image

      Springboard 7 years ago from Wisconsin

      Very sound advice, and I like the way you framed it. I found your hub by accident, BTW, over on Blake Flannery's, and I'm glad I did.

      As I said over there, all of these qualities are at the heart of success—any success. I've had conversations with guys in factory breakroom's who sit and talk about how unfair things are. "Why can't I open a business?" they wonder. They forget that it takes more than money to start a business and turn it into a successful one. It's never just about money, but about all of these things you've mentioned that makes one successful. That ultimately equates to money as success is the driver behind the earnings potential of every person.

    • Rochelle Frank profile image
      Author

      Rochelle Frank 7 years ago from California Gold Country

      Thanks Gifted Grandma and Dohn. I think people need less money than they think they do, even though a lot of people are going through hard times right now.

    • Rochelle Frank profile image
      Author

      Rochelle Frank 7 years ago from California Gold Country

      Springboard, thanks for your comment. Yes, and I think Blake Flannery made very similar points. (We could have combined these had we known we were both thinking along the same lines.)

      And you are right, no one who has become successful in business has done it without invesing in themselves first.

    • Sandyspider profile image

      Sandy Mertens 7 years ago from Wisconsin, USA

      Very sound advice.

    • mega1 profile image

      mega1 7 years ago

      I'm going to pass this advice on to some young people I know - very good advice and do-able!

    • Sage Williams profile image

      Sage Williams 7 years ago

      Rochelle - Awesome hub with a very unique slant. So much wisdom wrapped into one hub. This one is a real gem. I will need to bookmark this hub for sure.

      Written from the heart, spoken with clarity your message is clear; a profound and gentle reminder to us all. WAKE UP! Look around, listen with your heart and see if you are living your life with the most endearing qualities.

      Investing in Yourself is the most rewarding experience of a lifetime. You will reap many rewards.

      Excellent! Excellent! Job.

      Thanks so much for such an endearing, well written hub with a very profound message to us all. You are a brilliant writer.

      Sage

    • Rochelle Frank profile image
      Author

      Rochelle Frank 7 years ago from California Gold Country

      Thank you, Sandyspider.

      Thanks, also Mega 1. Yes, and of them can be done.

      Thank you, too Sage. Your praise may be a little over the top, but I appreciate your thoughts. Hope it didn't sound preachy. I pretty much thought of it as things that people already know. Now I have something to live up to.

    • profile image

      Linda Myshrall 7 years ago

      I was so glad to see the direction this took.

      I have been a fan/follower (whatever!) since I first stepped foot into Hubland, and I knew you wouldn't disappoint me by going over the top on this. Instead, you managed to zero in on what really matters in life without going all doilies and lace-hankies on me.

      For what it's worth, I agree. When I was young, it was about Armani suites and 90210. Today it's about... well, everything you said in your piece.

      This was one of those, "Dang, I wish I'd said that!" hubs. Thanks Rochelle.

    • Rochelle Frank profile image
      Author

      Rochelle Frank 7 years ago from California Gold Country

      Thanks so much, Linda. I am not much for doilies and lace hankies in any form.

    • Faybe Bay profile image

      Faye Constantino 7 years ago from Florida

      We have similar goals. I had already started my family hubs for this reason. I applaud you on your choice of wrods, it is an investment. I want to learn to can like my parents and grandparents did. The world has gotten too far away from the old skills. Excellent work here Rochelle. Thank you.

    • Rochelle Frank profile image
      Author

      Rochelle Frank 7 years ago from California Gold Country

      I appreciate your comments, Faybe. If you grow your own tomatoes, canning them is not difficult-- they are one of the easier things to "put up" with great success. It is a feeling of accomplishment to see all of the finished jars standing in a row.

    • Betty Reid profile image

      Betty Reid 7 years ago from Texas

      Rochelle, this is a lovely article for challenging times.

    • Rochelle Frank profile image
      Author

      Rochelle Frank 7 years ago from California Gold Country

      Thank you, Betty. I think there is always something we can do.

    • frogyfish profile image

      frogyfish 7 years ago from Central United States of America

      I distinctly agree with your words of wisdom! Maybe need to do a little more investing in myself...and some others too. Thank you for a great hub. The video was truthfully enticing and encouraging too.

    • Rochelle Frank profile image
      Author

      Rochelle Frank 7 years ago from California Gold Country

      Thank you, frogyfish. I think these are things most people agree with-- doing them is sometimes a bit harder, but not impossible.

    • De Greek profile image

      De Greek 7 years ago from UK

      You eloquently put into words what we know to be right deep odwn in our souls. Thank you :-)

    • Rochelle Frank profile image
      Author

      Rochelle Frank 7 years ago from California Gold Country

      I appreciate your comment, De Greek. And you are right, we all DO know.

    • C.V.Rajan profile image

      Disillusioned 7 years ago from Kerala, India

      Practical and practicable guides. I would like to add spiritual self-inquiry too to the list.

      CVR

    • Rochelle Frank profile image
      Author

      Rochelle Frank 7 years ago from California Gold Country

      Thank you, C.V.Rajan. You are right. In fact that might be the prerequisite.

    • Wayne Brown profile image

      Wayne Brown 7 years ago from Texas

      Great angle on the idea of investment, Rochelle. This is such an important thing for people of all ages to weigh. We all need to invest our money and ourselves in things that are worthwhile and have long term pay-offs in so many ways.

    • Glenn Stok profile image

      Glenn Stok 7 years ago from Long Island, NY

      I consider this a "must read" for everyone. I have friends who don't understand the value of self-investment. You are right Rochelle, it is the best long term investment that can be made.

    • Rochelle Frank profile image
      Author

      Rochelle Frank 7 years ago from California Gold Country

      Thank you, Glenn. "Self" is one of the few things we can really make choices about.

    • fits4life profile image

      Cherri Brown-Jett 6 years ago from Richmond

      This hub on investing is very good. It touches on many areas where we can plan for the future. Everyone should feel they are worth it.

    • Rochelle Frank profile image
      Author

      Rochelle Frank 6 years ago from California Gold Country

      You are right, fits4life. Everyone has something of value to invest.

    • qing312 profile image

      qing312 6 years ago from qing312.blogger.com

      I like too

    • Rochelle Frank profile image
      Author

      Rochelle Frank 6 years ago from California Gold Country

      Thanks quing312, and welcome to HubPages.

    • lemmyC profile image

      Ben 6 years ago from UK

      Great stuff! What about investing in thinking skills training as discipline? Be transformed by the renewing of your mind ..

    • Rochelle Frank profile image
      Author

      Rochelle Frank 6 years ago from California Gold Country

      Thanks, lemmyC. Constant renewal is key.

    • gramarye profile image

      gramarye 6 years ago from Adelaide - Australia

      This is all really important - really good hub.

    • BkCreative profile image

      BkCreative 6 years ago from Brooklyn, New York City

      Yes, let's invest - and the perfect example is the couple that plants a tree - and thinks they won't be around in 10 years to enjoy it - well most likely the 10 years will zip by (mine did) - but then you leave the best legacy of all - a wonderful tree, maybe even fruit or nut bearing - for the future generations. Everything we do now affects all who follow - maybe we will remember that one day and not think only of ourselves. Investing in ourselves is investing in the future for all.

      Nice hub filled with great reminders! Thanks so much!

    • Rochelle Frank profile image
      Author

      Rochelle Frank 6 years ago from California Gold Country

      Thanks gramarye and Bk. The things we invest in can affect the future. It's true, though we probably seldom think along those lines.

    • Lamme profile image

      Lamme 6 years ago

      Great advice! Investing in yourself is the best investment.

    • Rochelle Frank profile image
      Author

      Rochelle Frank 6 years ago from California Gold Country

      Nothing else you invest in has the same level of personal interest.. maybe your family, but that's part of yourself, too. Thanks, Lamme.

    • profile image

      ashelsher 6 years ago

      Nice article! Spending time learning something is always an investment, not only when it comes to finding an occupation but also because everytime you learn something new or develop skills you already have further, you also, in different ways, develop as a person.

    • Rochelle Frank profile image
      Author

      Rochelle Frank 6 years ago from California Gold Country

      Yes, I think it is important, even if you think you will never use what you have learned. Thanks for your comment, ashhelsher.

    • Research Analyst profile image

      Research Analyst 6 years ago

      I am so touched by this hub because it really helps us think about the things we can do to invest in ourselves by sharing, learning, teaching and helping others, that is such a beautiful concept. I can not help but think how much better the world would be if more people actually lived this way. Now is a great time to take a look at what we can do that will have a long term benefit. thanks so much.

    • Rochelle Frank profile image
      Author

      Rochelle Frank 6 years ago from California Gold Country

      Thanks so much right back at you, RA. Sometimes it is too easy to overlook the obvious "things".

    • raisingme profile image

      raisingme 6 years ago from Fraser Valley, British Columbia

      This is a really neat hub! I was reading an article the other day wherein it was stated that the industrial age is coming to a close and we are entering the knowledge age. This hub lends itself to opening the door to that new age. Well Done!

    • Rochelle Frank profile image
      Author

      Rochelle Frank 6 years ago from California Gold Country

      I remember someone asking me a long time ago if I thought it was good to stash away some gold or diamonds to guard against hard times.

      I remembered hearing stories of people trading diamonds for a sack of potatoes in desperate times. The only thing that can't be stolen or devalued is what you know how to do for yourself and others.

    • starme77 profile image

      starme77 6 years ago

      I like this one alot :) Nice one :) I book marked it and will read it again in the morning , seems it is something I am doing at the moment - investing in myself and it feels good :) so thanks and thumbs up !

    • Rochelle Frank profile image
      Author

      Rochelle Frank 6 years ago from California Gold Country

      Thanks, Starme77. In this economy, 'self' may be the one thing that is least likely to lose value.

    • billyaustindillon profile image

      billyaustindillon 6 years ago

      Excellent points of advice - really this is what younger people should be reading in setting their goals and life's plan. There is more to life than just money and enjoying the fad of the day. Plan ahead with health and knowledge and the rest will come your way. If not you are in good shape to make it happen.

    • Rochelle Frank profile image
      Author

      Rochelle Frank 6 years ago from California Gold Country

      Thanks, billyaustindillon. Yes, There is always something we can do in these areas.

    • Adore75 profile image

      Adore75 6 years ago

      Very inspirational hub ! What you invest will lead one day to your harvest ...

    • Lita C. Malicdem profile image

      Lita C. Malicdem 6 years ago from Philippines

      Well said, well done! And I thought all I could do in retirement is sit and retrace my footprints in flashbacks waiting for the day to come! LOL! You inspire me again to try some of the investments you are suggesting. Not that I haven't done any investing yet but, you enlarged the picture where I am now.

      I'll strengthen them all, except for the last- "If you have the money...". I did a lot for that the whole of my active service. Haha! Good hub!

    • Rochelle Frank profile image
      Author

      Rochelle Frank 6 years ago from California Gold Country

      Thanks Adore75 and Lita. I think we have to keep reminding ourselves that we can do more than we think we can.

    • profile image

      homemade canning 6 years ago

      for me its"invest now and gain later"

    • Rochelle Frank profile image
      Author

      Rochelle Frank 6 years ago from California Gold Country

      Thanks, homemade canning. Yes, it is a nice feeling seeing all those beautiful jars lined up. More reassuring than an insurance policy, and you did it yourself.

    • profile image

      canning applesauce 6 years ago

      thanks for the info

    • profile image

      canning jelly  6 years ago

      wow yummy!

    • Rochelle Frank profile image
      Author

      Rochelle Frank 6 years ago from California Gold Country

      OK, you canner people-- thanks for the comments. You must be referring to the plum jam and pears? Yep it's all good.

    • profile image

      canning jelly  6 years ago

      i love this!thanks for he information

    • profile image

      peaches canning 6 years ago

      this piece of writing is very recommendable

    • Rochelle Frank profile image
      Author

      Rochelle Frank 6 years ago from California Gold Country

      Thank you, canning jelly and peaches canning-- I'd be glad to have you pass along the link to anyone who might be interested.

      I appreciate your comments.

    • ethel smith profile image

      Eileen Kersey 6 years ago from Kingston-Upon-Hull

      Thanks for reminding me :) Life is so short we need to ivnvest in ourselves NOW

    • Rochelle Frank profile image
      Author

      Rochelle Frank 6 years ago from California Gold Country

      You are right, ethel smith. Even investing a little, if done regularly can pay off. Thanks for reading.

    • vocalcoach profile image

      Audrey Hunt 6 years ago from Nashville Tn.

      I like investing in myself and find it fun, rewarding and worthwhile. Even the smallest of investments, like giving myself extra time to read, listen to music, window shop or have a massage seems to make any task easier and more enjoyable. This is a very good hub. We all should read and practice your suggestions. Thank you.

    • Rochelle Frank profile image
      Author

      Rochelle Frank 6 years ago from California Gold Country

      Thank you, vocalcoach. I thought you might recommend singing, which could also be a good idea.

    • Jane Bovary profile image

      Jane Bovary 6 years ago from The Fatal Shore

      What fantastic advice Rochelle. One example..I invested in learning in a musical instrument and I have really received so much back in return. It's given me an emotional release, enjoyment..and hopefully even stimulated a few brain cells.

      Investing in yourself is at least investing in something you can believe in!

    • Rochelle Frank profile image
      Author

      Rochelle Frank 6 years ago from California Gold Country

      Thanks for commenting, Jane Bovary. I'm glad you are investing. All of us can probably use more brain cells.

    • Alison Graham profile image

      Alison Graham 6 years ago from UK

      I really enjoyed this hub Rochelle, since I quit my job to spend more time with my wonderful husband who is 15 years older than me, we live on half the income we had then but we are more than twice as happy. We have done some investing of the kind you describe and it has enriched our lives far more than money in the bank.

    • Rochelle Frank profile image
      Author

      Rochelle Frank 6 years ago from California Gold Country

      It's always nice to have you comment, Alison. Being twice as happy was probably an unexpected benefit-- plus now you have some time to write.

    • DonnaCSmith profile image

      Donna Campbell Smith 6 years ago from Central North Carolina

      Those are all good ideas. I especially like the one about planting the fruit trees. Every time I plant a perennial or tree I think how they are symbols of hope, of good things to come.

    • Rochelle Frank profile image
      Author

      Rochelle Frank 6 years ago from California Gold Country

      Thanks for reading, Donna. Planting takes patience, but it usually does pay off.

    • profile image

      pan1974 6 years ago

      This is a very informative read, i enjoyed it.

    • Rochelle Frank profile image
      Author

      Rochelle Frank 6 years ago from California Gold Country

      I'm glad you did. Thanks for commenting.

    • Jewels profile image

      Jewels 6 years ago from Australia

      A timeless hub Rochelle with lots of gems.

    • Rochelle Frank profile image
      Author

      Rochelle Frank 6 years ago from California Gold Country

      Thanks, Jewels -- you're a gem, yourself.

    • Sunset San Diego profile image

      Sunset San Diego 6 years ago from California San Diego LA

      I think money is everything

    • Rochelle Frank profile image
      Author

      Rochelle Frank 6 years ago from California Gold Country

      Thanks, Sunset. It is involved in almost everything, but I think you are 'pulling my leg' now.

    • Rochelle Frank profile image
      Author

      Rochelle Frank 5 years ago from California Gold Country

      Thank you so much for commenting. Some people fail to realize that there's always something to invest.

    • Paradise7 profile image

      Paradise7 5 years ago from Upstate New York

      Terrific hub and true!! We are only limited by our imaginations.

    • Rochelle Frank profile image
      Author

      Rochelle Frank 5 years ago from California Gold Country

      Thanks, Paradise7. The best thing is, many of these investments actually grow.

    • Cagsil profile image

      Cagsil 5 years ago from USA or America

      Hey Rochelle, the most important thing to invest in is ourselves. If we don't invest in our own growth, then we will never grow as individuals. Fantastic hub! :) It's always best when we work towards bettering our self. To invest time, energy/effort and even small sums of money, always brings rewards. Thank you for sharing. :) :D

    • Rochelle Frank profile image
      Author

      Rochelle Frank 5 years ago from California Gold Country

      Thank you, Cagsil and if we don't do it -- who will?

    • Cagsil profile image

      Cagsil 5 years ago from USA or America

      Well, some people seem to believe that it will be taken care of, to ensure prosperity in America. It's a false ideology, because it's based on no effort on behalf of those who are involved. There are enough Millionaires and Billionaires in America, that they together could wipe out all of the social and political issues in America, in one swipe. However, it doesn't really, in the end, provide stability, because too many other factors are involved. The richest of the country could make every single person in the country a millionaire, minimum, but how those people will spend that money is the problem. There are not enough people willing to work on self improvement. There are far too many people unwilling to do anything to improve upon themselves, because they are either too lazy or physically limited. Too much information is missing from society, too many people believing false things. And, not depending upon themselves. It has to change. Your hub is a stepping stone in that learning process. :)

    • Rochelle Frank profile image
      Author

      Rochelle Frank 5 years ago from California Gold Country

      Thanks again, Cagsil. Yes, some still think the world owes them something.

    • liesl5858 profile image

      Linda Bryen 2 years ago from United Kingdom

      Thank you for such good advice on investing in oneself. You are right, all of us have inborn talents to practice and share. Very useful hub indeed.

    • Rochelle Frank profile image
      Author

      Rochelle Frank 2 years ago from California Gold Country

      Thank you, Liesl.

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