I came across a post on a new website today and thought I would link to it here
Give it a read and see what you think.
Honesty, admittance and a willingness to change are what strikes me most about it.
When we were first married we grew our own vegetables and practised frugality and simply living, or thought we were! Looking back from where we are now, we realised how much more we could have done. Despite saving money monthly for an annual holiday, un-known future events/problems, usually cooking from scratch etc., it is only now, we realise we could have, and probably should have, done far more.
It is just too easy when promoted, getting more money (and stress usually), to waste money even if you think you aren't. We could easily have lived on DB's wages, paying all our bills and saving as well. We could have and should have saved ALL of my wages, somehow though, my part-time wages just got absorbed, into what, for what, nowadays we can't remember.
One of the problems with looking back at anytime in your lives are the what if's and why didn't we's that tumble out of your mind. It is no good getting upset about it now. If you still haven't started on your journey to the life you really want to live, begin thinking about it and starting to act NOW!
Life is often far shorter than the eventual future life you might look forward to living. Also, if and when you are near to achieving your dream, you might just find your body is to old to do what your mind has been planning for so long.
We realise now that if we had saved more, planned more, tweaked how we lived far quicker, that paying off the mortgage earlier could have been achieved and retirement could have been achieved earlier, yet consumerism and living our lives left us sometimes feeling that we just didn't quite have enough money...
Although DB did retire early and we had paid off the mortgage at the same time, we survived with quite a lot of tweaking (see Year I of the War Diary).
Now we are not surviving, we are thriving. That has only come about by a change in mind set, a willingness to both walk the same walk. People assume we are poor because we don't have the heating on full blast all the time, that we cook from scratch, don't eat out often etc. Nothing could be further from the truth.
Yes, our money may be more limited than some, but our minds are thriving. We have outgrown our early thoughts of frugality and what constitutes a simple life. This kind of life is achievable with just a few willing tweaks. You will be able to pay off your mortgage, retire earlier if you sit down, right now, discuss and plan then implement. Not all at once obviously, baby steps and all that.
I feel for younger members of family and those of friends, who are just starting out on their own journey. Realising that for them, retirement may be in their 70's - who can work for that long? Having a family gets pushed back only to find achieving that particular goal has either passed them by or they need help.
We all have to live our own lives, we can't live each others and although we can advise, in the end, it is up to everyone.
Are you leading a life you like?
If only blogland had been around then, full of fantastic ideas...