Playing it safe

More than ever the theory of keeping life simple applies.

One cannot be too careful when taking on a long term commitment. From the outset gradually build up savings by reducing spending on luxury items; overheads may prevent accruing investment savings. Certainly it might depend what is classified as "luxury" as opposed to necessities. Little things add up, for example, fuel saved by walking to the shop, walking the kids to school, shopping once a week; take a healthy lunch from home, watch the consumption of takeways, count the cups of coffee consumed, take notice of what is being wasted on a regular basis.  Everyone likes to be pampered and a review of the amount spent on hair care, nails, and the like may effect a saving.  Take a quick glance at the phone, gas and electricity bills as they can get out of hand, and it might be time to change service providers. To lift spirits up, keep in contact with friends as laughing is good medicine.  Sport and exercise is good for the soul and I would classify that as a necessity.

Most would agree, life will eventually settle down, Covid will pass, jobs will become available as industry gets back on track. The lock-down period will have surely given food for thought and, who knows, may end up shaping your future. 

See Chapter 9.