I think the way I manage my finances is based on being raised in a family where there was a lack of. My parents fought about not having enough money. So I have always been careful with the money I have.
I live by these principles:
* I have a budget and I stick to it.
* I have an emergency fund.
* I don't go on holidays using credit.
* I have no problem with my old furniture or appliances. I only replace things when absolutely necessary. I look after what I have.
* I don't care about "keeping up with the Jones'".
* I try and keep up with maintenance of my home.
* True friends won't care about the size of my home, how old my furniture is, or what car I drive.
* Small cars are more economical (I admit I am only 5'3 though). I look after my car.
* I think about the environment eg preloved is good, landfill is not.
* I am planning for my retirement now (I hope to retire in about 9 years).
Fortunately hubby has the same thoughts as me on financial matters so we are a good team. He had a similar upbringing.
I'm looking forward to hearing from others $$$