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Reply to "How do you keep dedicated to living below your means?"
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[quote=Anonymous][quote=Anonymous]I'm learning a lot from this thread. Great tips! In case this is helpful, I can offer the perspective of someone who only recently began living below our means. DH and I have an HHI of $325,000 with two full-time incomes. We were not living a fancy lifestyle, but we were spending most of our income every year (except for maxing out 401(k)s). We didn't have an emergency fund and still had student loans and some credit card debt. In 2014, we decided to try something new -- living below our means. Now that it's 2016, I see how much peace of mind I have! I am genuinely less stressed than I was when we spent everything. I am amazed at how much joy I get from knowing that that nice big emergency fund is there. [/quote] Congrats! What specific changes did you make? And how much did you wind up saving per year (outside of retirement)? I'm looking for tips/inspiration![/quote]
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