Sitting On Money

6 Ways to Find Investing Money for Beginners


If you’re a beginner looking to start investing but are unsure about how to find the necessary funds, you’ve come to the right place. In this blog post, I’ll be sharing six practical ways to find investing money, allowing you to take your first steps toward financial growth. As an experienced investor, I understand the challenges faced by beginners, and I’m here to provide you with valuable insights. So, let’s get started!

Create a Budget and Save: One of the fundamental steps to finding investing money is to create a budget. Track your income and expenses diligently, identifying areas where you can cut back on unnecessary spending. By setting aside a portion of your income each month, you can gradually build up your investment capital. Small, consistent savings can make a significant difference over time.

Reduce Debt and Interest Payments: Debt can hinder your ability to invest, as a significant portion of your income goes towards interest payments. Prioritize paying off high-interest debt, such as credit card balances or personal loans. By reducing your debt burden, you’ll free up more funds that can be redirected towards investments, allowing you to grow your wealth more effectively.

Automate Investments: Automating your investments is a smart way to ensure consistent contributions without relying solely on your willpower. Set up automatic transfers from your bank account to your investment account on a regular basis. This approach ensures that you consistently allocate funds towards investments, even during busy or forgetful periods.

Start a Side Hustle: Consider starting a side hustle to generate additional income specifically earmarked for investing. With the gig economy on the rise, there are numerous opportunities available. You can offer freelance services, sell products online, or explore your unique skills and talents. The extra income from your side hustle can serve as a dedicated source of investing capital.

Take Advantage of Employer Contributions: If you’re fortunate enough to have an employer-sponsored retirement plan or similar program, take full advantage of it. Contribute at least the amount required to maximize your employer’s matching contribution. This effectively means your employer is giving you free money to invest in your future. It’s an opportunity not to be missed.

Explore Investment Apps and Platforms: In today’s digital age, there are numerous investment apps and platforms that allow you to start investing small amounts of money. These platforms often offer low minimum investment requirements and provide access to diversified portfolios. Research and compare different options, considering factors such as fees, investment options, and user experience, to find the one that suits your needs best.


Finding investing money as a beginner is all about adopting smart financial habits, making deliberate choices, and exploring opportunities that align with your goals. By creating a budget, reducing debt, automating investments, starting a side hustle, maximizing employer contributions, and utilizing investment apps, you can gradually build up your investment capital and embark on your wealth-building journey.

Remember, investing is a long-term commitment, and it’s important to educate yourself, diversify your portfolio, and seek professional advice when needed. With patience, discipline, and the right strategies, you can take control of your financial future and achieve your investment goals.

If you’re ready to go to the next level and would like personalized guidance from me, Jack Kalala, I invite you to book a one-on-one session. During our session, we can delve deeper into your specific challenges and goals, and I’ll provide you with tailored strategies and advice to help you succeed.

Thank you for joining me in this blog post. I hope you found these insights valuable.

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