Talking truthfully about borrowing

What if we re-frame how we think about debt and tell the truth?

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10 Tips to begin decluttering

I used to be a terrible hoarder. I had tonnes of things just in case I needed them. I was reluctant to part with anything I considered remotely sentimental. I used to keep shelves of my favourite magazines in case I wanted to look back at them (hint – I never did look back at them). There were lots of things that I had two of. I kept clothes I didn’t like or that didn’t fit just in case I needed them. I had an enormous collection of DVDs and books. I had lots of trinkets. Somewhere along the line though I came across the idea of minimalism and decluttering. At first I was reluctant but gradually the seed flourished in my head and I began to pare my things down more and more. Now I have significantly reduced my clutter and my house feels much more spacious, inviting and organised. I thought I would share my tips on how to I did it.

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Disconnecting from hyper-connection

A while back I decided to re-activate my Facebook account and set-up a Twitter account. I installed the apps on my phone. I vowed to try and use social media in a positive way. I intended to embody an antidote to all the mundane, self-promoting, vanity material that exists. Well that didn’t work.

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Health and free time are the new rich

In western society we are virtually all “rich”. By any historical measure we are all richer in material terms than even the elite of society was only 20 or 30 years ago. Only a generation ago flat screens tvs, smart phones, tablets, laptops and high speed internet, cars with iphone connections, air con and Bluetooth would have seemed like science fiction. With our centrally heated, pleasantly but affordably furnished dwellings we live more comfortably than even royalty were living probably only 30 or 40 years ago. But what is the price of this wealth? We work long hours, often in sedentary jobs which cost us our time and our health.

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Enough is best

In the West our consumer society tends to value chasing more and more stuff as if each new thing adds more and more value to our lives. But when we really think about it, it doesn’t. Really what we need to do is query exactly what we need in our lives, what stuff actually improves our lives and what stuff is just unnecessary doo-dads that we buy because everybody else has one or because it’s the latest thing.

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Life principles

This will be the last of the three posts on the principles that I live my life by and these are the long-term ones, the overarching life long principles. As with the other principles I’ve already outlined this is a living list and I’m sure it will be added to and subtracted from in the future…..

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Daily principles

Bunk explains in the Wire that “A man must have a code” (google it if you need to) and I want to share mine. I find having a set of principles held in my mind helps me to prioritise them over the other seemingly urgent stuff that comes into our everyday lives. I should emphasise that they are not fixed. They are just my current principles, I am open to adding, changing, updating, and discarding these. I should also note that I’m by no means perfect. I certainly don’t manage to stick to all of these everyday. But these are the principles that I try to adhere to on a daily basis: –

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How to save hundreds per year

Hopefully the headline grabbed your attention!

Many people are missing a very simple way to save a significant amount of money in their lives. I want to share a few simple tips for making your own lunch to take to work that will enable you to not only eat healthy but also to save significantly. Just think – if you spend an average of £3 pounds a day on lunch (and many spend more than that!), given that the average person works 220 ish days a year, you will save £660 over the course of a year. Just think of what else you could buy with that money!

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