In the beginning of my financial freedom journey, I had NO IDEA where my money’d gone. With time, that has changed and so has my spending. Things I used to budget for, sometimes slowly and sometimes quite abruptly disappeared from my spending plan. And so today, I’ll take a look at the things I cut out from my budget and don’t miss anymore.

The most common sentence uttered by investors? I wish I had started earlier! I see it in so many comments on my YouTube channel... and it always makes me a bit sad. Because to type that up, possibly multiple times, on other money channels as well as mine, means one thing: living with a sense of regret. And so, today's post is for those of you who think of investing and, most often than not, say: I wish I had started earlier.

Financial Freedom is promoted by younger and younger generations. And when you’re not in your twenties, say you’re in your forties, fifties or sixties… and you see all those wrinkle-free, enthusiastic faces on social media, maybe not on TikTok but on YouTube, you might feel that it’s loo late for you and that you missed the boat. And that could essentially cause so much apathy that you will give up before you start. And you know what? I disagree with this kind of attitude so today I’d like to talk about what to do when you feel exactly like that - discouraged, too old to give it a go and transform your financial life.

Let's talk about extreme frugality today. For many people, frugality is their second nature. To me, it's pretty much being sensible with money, welcomed and kind of expected, considering my journey to Financial Freedom. If you're on the same journey - you know the deal. Lower your expenses and increase your income to accelerate your expedition. I was born a semi-minimalist, stuff in general doesn't impress or tempt me much, I don't like waste, don't care about travelling business class and never felt awkward bringing my lunch to work. But extreme frugality... is not for me. Let me tell you why.