|As commutes go, this one would be OK...|
We truly are fortunate. Yes, our combined income is still some way below where it would have been before, but we are still able to make that - for us - all important overpayment to the mortgage each month. It's not massive, it's true, but it's sufficient that if we continue at the level we are, we shall hope to have the mortgage cleared by this time in 2018 - having paid it off in 15 years rather than the scheduled 25. Saving these days is tricky - there is little spare at the end of each month, but what there is gets stashed away into savings, and we make a point of setting money aside each month towards Christmas, car repairs, and the all important Hebrides trips. We refuse to compromise on the food we eat - I've said before, we will not put processed crap into our bodies simply to save money. Nor will we eat foods that we know have been produced more cheaply by economising on the quality of life of the animal they originate from - so this means no battery eggs or EU pork. We have all we need, and a good many luxuries besides. We don't say we "can't afford" things - as mostly, we could, if we wanted to, but we choose to spend our money elsewhere.
|Categorically NOT a luxury!|
Next time you find yourself saying "We can't afford...." or "we can get by, but only just, it's a struggle" stop and think - are things REALLY that tough? When you actually have money, but are choosing not to spend it on "stuff", then frugality is little more than a game, essentially. It may be a means to an end, enabling you to save money on mortgage interest, save for things you want, or simply in order to live more simply, but be careful to make sure that you keep realistic and are prepared to acknowledge that, in fact, poverty and real hardship is a long way off. Apart from anything else, failing to do this is nothing short of a downright insult to those for whom life genuinely IS a financial struggle!