The key thing I always try to aim for is "Spend less on things I don't care about". A good motivator is to use some of the money you save from unimportant (to y

The key thing I always try to aim for is "Spend less on things I don't care about". A good motivator is to use some of the money you save from unimportant (to you) things on stuff you really care about. The money I save on not having Sky TV (or similar) gives me some cash in the bank and fresh roasted coffee delivered to my door each week. I save money and get coffee! I find my life slowly filling with things that make it better and memories of fantastic experiences, without spending anything extra. We didn't get seat covers at our wedding, because I wouldn't remember anything about them now. We used some of that money to get some really nice flowers, which became nice gifts and is something everyone liked. > I know that virtually no matter what goes on with my employer I have plenty of time to find a new job. It also means the answer to the question "What's the worst that can happen?" starts to become "Things will be generally fine". That's a phenomenal weight to be lifted.