Life is so much more simple when you haven't got much. If you have more than enough money, you have many more decisions to make than if you have nothing. You don't have to decide whether to buy something or not, if you can't afford it you just forget about it. If you forget about it you don't need it.
I used to be tempted to pop into the local shop when out for a walk, should I get chocolate or sweeties? I would tell myself I deserved a treat. Why? I dont know, it just made me feel better. I ended up having a treat nearly every day, how silly. Now I don't take any money with me, easy, I don't need a treat. I nearly bought a bottle of wine yesterday, but then I remembered I had one last weekend, so this weekend it was fruit juice from the fridge diluted with half water. I survived without the wine.
I am sitting here wearing two sweatshirts, one I bought for work six years ago, and one which was given to me. My cheap slippers look a mess, they fell apart and I stuck them together with gaffer tape. I am wearing three teeshirts, two were cheapo's from the market and one was given to me. My socks were also given to me. I have got a wardrobe full of clothes, some of which are very old, some from charity shops, and some were given to me. I dont buy new clothes, but I might make an exception next week. I need some decent looking warm casual jog type trousers for my trip to London. First I will look in the charity shops, then the discount stores, or the sales.
I have no heating on, I don't need it. Although it does work, (thanks to the government Warm Front grant), I am resisting the temptation to switch it on, until I am freezing. I am saving my money for my trips out.
Keeping things simple has also helped me fill out my tax return, I have just done it online, it was very easy. Most of it was completely alien to me, and required no entry in the box. I am so glad I have no spouse, no dividends from companies, no money from trusts, no interest from gilt-edged and other UK securities, no life insurance, and no stock dividends. My goodness what a headache that would be. Life is much simpler if you have nothing.
On the Money with Ruth from Ruth Makes Money
12 hours ago