Concentrate on the savings - that would help me for sure. I'm so cheap I quit smoking when cigarettes hit $1.00 a pack, lol. That was a looooong time ago! Just think what you can do with allll that extra money. Do something special just for you...pamper yourself...have a goal and look forward to the reward!
I quit 4 years ago Easter after going to the hospital with chest pains. My blood pressure was sky high and I couldn't breathe. Now I suffer the side effects though with COPD.
Burn wood most of the year instead of using oil heat. Home repairs: hubby does all of our electrical and plumbing, some automotive. We built our home, have been mortgage free for years. Not spending the money in the first place is a great way to save money. We made 2 incubators, current DIY project is: refinishing a solid maple night stand that I plucked off the burn pile at the town dump. I'm an avid dump picker.