How to Invest in Stocks on a Shoestring Budget

Investing is the best way to make the most out of the money you have left in your bank account at the end of each month. While saving a bit of extra cash aside can be a good idea to prepare yourself for whatever challenges might come your way in life, your savings will only get you so far. That’s particularly true in a world where standard current and savings accounts from your bank won’t offer a great deal of interest.

By investing, you can ensure that the money you have today works harder for you in the future. Although not every investment that you choose will be a winner, the chances are that you’ll end up with more cash in the long term if you start investing at an early age. The only trouble is, you need to find some money to invest before you can get started.

You Don’t Need to Be Rich to Invest

There’s a common misconception in the financial world that the only way you can invest in stocks and shares, is if you have a lot of disposable income. However, that’s not necessarily the case. Even just a few dollars invested into the right environment each month can contribute to a great deal of growth in the long-term. There are even digital apps that you can download today that allow you to put the change from your everyday purchases into tiny investments that earn you just a fraction of a share in a popular company.

Although these tiny investments might not make you a millionaire overnight, they do give you an opportunity to start dipping your toes into the waters of trading and stocks for the first time. Mini investments also mean that you can begin to get the trading bug. Once you see your cash start to grow, you’re much more likely to seek out new opportunities for investment wherever you can find them.

Another point worth noting is that the quicker you start putting cash into your investment portfolio, the more you can benefit from compounding interest. This means that every year, you earn a little bit more from the money you spend on your investments.

Can You Get a Loan to Invest?

If you want to start building wealth, but you know that you don’t have any spare cash to put into your portfolio, then you could even consider using a loan such as those listed at to kick-start your efforts. Although this won’t be the right strategy for everyone, it could be a good idea if you know that you’re going to get a return on your investment that’s higher than the interest rate you would pay for your loan.

For instance, if you’re investing in something that gives you a 10% return on your investment every year, but you only have to pay 3% a year in interest on your loan, then it makes sense to make a bigger investment now and spread the cost of your loan out over time. Although you won’t reap the full rewards of your investment until you’ve paid off your loan, you will have the opportunity to take advantage of the concept of compounding interest this way. What’s more, you get the opportunity to begin building your portfolio and diversifying your strategy a lot quicker.

Obviously, you’ll still need to make sure that you can afford to pay off your loan each month, but for many people in today’s economy, it’s far easier to pay a small amount like $20 or 30 dollars a month than it is to find a few thousand dollars to make a significant investment in a growing company.

Anyone Can Invest

Despite what most people believe, it is 100% possible to invest if you don’t have a lot of money leftover in your budget each month. You can decide to take the slow and steady approach and invest just small amounts of cash into micro shares and stocks each month. Or, if you’ve found a particularly impressive opportunity in the stock market, you can consider taking out an investment loan and using the money you borrow to get the most out of your cash over time.

Whatever strategy you choose, remember to do your research and learn as much as you can about the stock market before you get started. This will keep your risk levels to a minimum, and ensure that you can choose an investment strategy that speaks to your individual needs.


January 2, 2021 Update: We have just announced our BEST STOCK NEWSLETTER of 2020 AWARD!

CLICK HERE to find out which stock newsletter was up 78% in 2020 (and whose 2019 picks are now up 113%).

*** Our Award for BEST STOCK NEWSLETTER of 2020 ALERT ***

Updated January 2, 2021

At WallStreetSurvivor, we subscribe to dozens stock recommendation and advisory newsletters. There is ONE newsletter that is constantly outperforming all of the others--The Motley Fool Stock Advisor.

Five of their 2020 stock picks have doubled and the average return of all 24 of their stock picks for 2020 is up 78%!

We have been tracking ALL of the Motley Fool stock picks since January 2016. That's 5 years and 120 stock picks. As of Friday, January 1, 2021 the Motley Fool's January stock pick (TSLA) is up 720%, their March pick (ZM) is up 172%, their April pick of SHOP is up 226% and their June pick CRWD is up 120%; and another two have more than doubled. In addition, 10 of their 2019, 12 of their 2018, 11 of their 2017, 15 of their 2016. Most impressively, over the last 5 years that we have been tracking every recommendation, their average stock pick is up 209%--tht means over the last 5 years their stock picks, on average, have TRIPLED!

Now no one can guarantee that their next picks will be as strong, but our 5 years of experience has been super-profitable. The important thing about the Fool stock picks is you have to buy them the day they are recommended because they usually pop 5-10% in the first 72 hours after the release their recommendation. You sure don’t want to risk missing out on their next pick.

Normally the Fool service is priced at $199 per year but they are currently offering a NEW SUBSCRIBER DISCOUNT that allows you to get theiir next 24 stock picks for just $99/year. HERE is the LINK to visit their New Subscriber Discount page.

CLICK HERE to get access to all The Motley Fool’s Stock Picks and their next 12 months of picks for just $99 per Year! 



Robinhood was the first brokerage site to NOT charge commissions when they opened in 2013. They just past 10,000,000 accounts and to celebrate they are offering up to $1,000 in free stock when you open a new account.

Here’s the details: You must click on a special promo link to open your new Robinhood account. Then when you fund your account with at least $10, you will receive one stock valued between $5 and $500. Then, you will get a link to share with your friends. Every time one of your friends opens an account, you will receive another free stock valued between $5 and $500. Click here to learn more about this Special Robinhood offer.

Claim your free stock NOW (before it’s too late)

Comments are closed.