Here are some tips on how to learn effectively without spending money:

1. Take advantage of online resources
There are many free educational websites, videos, and tutorials available on the internet. You can use these resources to learn new skills, improve your knowledge, or study for exams. Some popular websites for online learning include Khan Academy, Coursera, and OpenLearn.

2. Join online communities
Joining online communities related to your interests can provide you with valuable information and insights. You can ask questions, share ideas, and network with like-minded people. You can find online communities on social media platforms like Facebook, LinkedIn, and Reddit.

3. Attend free events
Many organizations and institutions offer free workshops, seminars, and events. These events are a great way to learn new things, meet new people, and gain experience. You can find free events in your local community or online.

4. Read books
Reading books is an excellent way to expand your knowledge and improve your skills. You can borrow books from your local library or find free eBooks online. Some popular websites for free eBooks include Project Gutenberg, Open Library, and ManyBooks.

5. Practice, practice, practice
The best way to learn anything is by doing it. Practice your skills as much as possible, and don't be afraid to make mistakes. Learning is a process, and it takes time and effort to master new skills.

In conclusion, learning doesn't have to be expensive. By taking advantage of free online resources, joining online communities, attending free events, reading books, and practicing your skills, you can learn effectively without spending money.

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