We have gone from a large income to a fixed income, fortunately no mortgage and we do have some savings so we are not under pressure if large bills come in, but we manage better than we did when we had heaps more money, I put $100 per week in a high interest savings acct for big bills when they come in, $100 a week in a goal saver account that pays a high interest if you don’t withdraw, and $10 in another acct to stop them closing it, this works out to $500 each Christmas which is a bonus for all the extra things that you want to do at Christmas, I pay bills as they come in, and budget to ensure that I have the money to pay them, I try and avoid withdrawing money from my bill paying acct and I find it builds up quickly and we can buy big things that we want, We cook everyday we do not have takeaways, I bake cakes, cookies, etc, we do not gamble and do not drink, sounds boring but we used to go out to dinner several times a week, gamble and drink, we do not miss this and in fact wonder why the hell we did it, we spend our time around our home and bargain shop, I check all the catalogues especially for the half price specials and keep stocked up on non perishables so we could probably eat for many months without going shopping, I think it is a matter of planning and doing low cost activities. And enjoying what you do have and not worrying about what others have. embrace your family and life,

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Published 16th October 2019

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