A year's worth of money-saving, life-improving tips! This book is about how you can live on less, spend less, and yet be far richer and happier for it. That is not to say that this is a book about going without, living the life of an ascetic monk or never succumbing to the desire to buy a Paul Smith shirt or a plasma TV. In fact, this book is about how you can actually have and enjoy more in your life than you have today while dramatically reducing the financial expenditure it takes to achieve it. By spending less you really can have more. Right now you may be feeling weighed down by the endless expenses and financial worries that can dominate our lives. We enjoy a larger abundance of material goods and wealth than we have ever had before. Yet worrying about money is still the single biggest causes of stress - a condition that affects over a million people in the UK and accounts for 1 in 4 visits to a doctor's surgery. The good news, however, is that you can choose to resist the imperative to grow richer and richer, heavier and heavier, yet increasingly hassled and dissatisfied. You do not have to succumb to the pressure to forever earn more, spend more and pay more for everything.You can substitute the clutter of excessive possessions and expenses with a new and elegant simplicity that allows you to appreciate the power of less.
By taking on a new attitude to money and possessions, you can go from feeling as if you are leaking money every time you leave the house to feeling immensely wealthy, from feeling unsure about whether you can make ends meet to having the pleasure of always having spare money and savings in the bank. In some ways this is calling for only a small shift in the way you live, yet it is a small shift that can have an enormous impact on your life. Most of the 365 tips in this book can help save you the odd GBP20, GBP50 or GBP200 a year. Some could help make you GBP50,000 richer right away. Others could serve as a complete breakthrough in helping you rethink, reorder or re-prioritise your life. Join the spend less revolution!
Rebecca Ash studied philosophy, french and psychology then spent the first years of her working life in China living on GBP80 a month. She moved back to London where she became a copywriter and spent the next ten years trying to persuade other people to buy, buy, buy... spend, spend, spend - and herself that she liked it. Rebecca has now quit that job, quit London and quit spending and is now a freelance writer who is raising her two children away from the city.
Preface Introduction PART 1. The Problem - Or why, despite earning a not unconsiderable amount of cash, most of it disappears on just paying for the basics 1. So why does life cost so darn much these days? 2. The myth of low inflation: Our hyper-inflated, hyper-bloated lives 3. Deranged consumerism. The pressure to spend, Spend, SPEND 4. So is all this extra money making us any happier? 5. We're all going nowhere - But we're going there fast... 6. How selfishness and ceaseless consumerism are destroying life PART 2. The Solution - 7 Rules to help you live better, spend less and never let money ruin your life again So where has this book managed to get us so far Rule No. 1: Who said you need lots of money anyway? Rule No. 2: Don't let the power of the 'oh but it's only GBP20' excuse ruin, bankrupt or leave you poor forever Rule No. 3: "Rescue the essential from the clutches of the irrelevant" Rule No. 4: Don't buy new if you can beg, borrow, steal or go without Rule No. 5: Cultivate an enjoyment of elegant frugality Rule No. 6: Find your own personal financial black holes and weaknesses Rule No. 7: Always remember that it is about having more rather than less PART 3. The Tactics - 365 ways to spend less while improving the quality of your life 1. Shopping 2. Your house and your home 3. More ways of saving or making money whenever you buy or sell property 4. Your personal finances and savings 5. Cut the cost of necessary household expenses 6. Food and drink 7. Cutting out unnecessary, excessive expenditure 8. Kids, schools and universities 9. Cars and travel 10. Leisure, pleasure and going on holiday 11. The kind of happiness that money just can't buy 12. Creating more time in your life 13. Your 'job' or your 'work' 14. Moving overseas Conclusion