My spouse and I live a comfortable life. We have a nice home and the things that make life comfortable. We don’t play “keep up with the Joneses” and don’t give a rat’s patootee if we do not lease the latest yuppie-mobile or have the most recent smartphone (or even a smartphone at all.) We seldom go out to eat, and I pack a lunch each day to bring to work. Sure, we could afford these things, but we’re not interested.
Also, being children of parents who lived through the Great Depression of the 1930s means that we grew up in an environment of “waste not, want not” — meaning that we watch what we spend, only spend what we have (that is, no carrying credit card balances), keep a healthy emergency fund, and are generally frugal.
The other day through careful and tedious negotiation, I reduced monthly household expenses by $105. It is hard to do that as expenses and fees for service continue to rise, but it is possible. This is what I did.
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