I have a few things to add to this wonderful thread. The first thing I ever read on this subject was to learn that you are not your bank account. I have the answer but how you get there is a very individual process. I was pretty much forced to economize over the years due to my illness over the years. I cut up all of my credit cards. I have dumped the pump by taking the bus. It was the most drastic move I have had to make. But you know, my transportation expense is five dollars for a three year disability bus pass! A lot of people would say they they would not go that route, but it saves me thousands of dollars a year and haven't been in a car crash in years. Yeah, my pace of life has slowed down considerably, but now I have time to read, listen to music, put on make-up or browse the internet. If I need a car I can rent one for the day if I need to haul something big home or take the girls to the vet for their annual exam. I shop at resale shops instead of the department stores. I have a lot less stress now.