Thinking about investing with little money can be demotivating.

After all, most investments that you see on media are usually big investments. But, what if I told you that investing can be done with barely any budget at all? What if you could earn a fortune with only a small budget per day?

This guide will tell you how to live a wealthy life by investing in little money.

Investing with little money

Start with what you have

As long as you’re investing, it doesn’t matter if you’re starting with only £10 or £20.

The important part is you’re taking the step towards it. Don’t be intimidated by the long term. Keep investing with little money and watch it grow over time. Investments shine most not with the amount you’re investing, but how you’re consistent with it.

As long as you’re consistent, your investments will reach places.

Investing with little money with a personal budget plan

With a personal budget plan, you can determine how much you can use for investing with little money.

It can be easy to sell your budget short and think it’s less than it actually is. To avoid this, you can use a budget structure, like the 50/30/20 structure.

50/30/20 structure.

The 50/30/20 is a personal budget structure that makes it easier for you to budget.

It goes like this:

Percentage	Category	Examples
50%	Needs	Food, Bills
30%	Wants	Dates, eat-outs, subscriptions
20%	Savings	Investments, insurance, savings

If you’re having trouble budgeting your savings because you lack the funds, split your monthly income like the table above.

You can use 20% of your income for investing with little money. If this is still lacking, adjust the other values and find your perfect fit. You don’t have to follow the exact same structure and budget-allotment.

You can also use something like the zero-based structure.

Zero-based structure for investing with little money

The zero-based structure focuses on taking every dollar accounted for.

This structure is more of a strategy than a structure. You can utilize this by listing down your income and where your income goes. You won’t stop managing your income until you’ve taken every last pound and pence into account.

With this, you’ll know the actual amount that you can invest.

Pound (£) Cost Averaging

This refers to the saving strategy of putting small amounts of money into an investment over long periods of time.

With this strategy, the amount you invest and when you invest is already set. For example, you can decide on investing £10 a month, or £5 per week. No matter what the state of the market is, or how your funds are running, your primary focus is to push through with the investment.

This is a great strategy because it keeps you accountable and consistent.

Investing with little money makes it easy to never skip on your schedule. This approach also teaches you not being moved by your emotions when investing. A common saving mistake is bailing out on the investment if the market seems bad.

Whatever the state of the market is, push through your plan and investment.

Investing With Little Money in a Nutshell

Having little funds to spare isn’t anything to be ashamed about.

Be proud that you’re thinking of investing with little money. To make the most out of your money, plan everything out and stick to it. Consistency and sticking to the plan matters more than the amount you put in.

If you’re looking for more investment and wealth tips, check out the official Wealth’s Whisper Twitter account.