[Jo Bo]

My basic motivation for saving is to give up work and have a better quality of life. I have worked full time as a nurse for 34 years and in that time have felt it change from a challenging and fulfilling job to a constant battle to maintain standards in the 'business of health', (this is in Britain and Australia). I was never someone who had large debts but decided to pay off my mortgage early so I could reduce my working hours. Unexpectedly, this put me in the position that I was able to extend my line of credit to acquire another small house on a 10 acre country block. Having sold my previous 11 roomed house I am completing renovations here and then the 'serious' savings commence! I have savings goals to pay off the remainder of my mortgage and accumulate an emergency fund and then drastically reduce my work hours. Over the last 3 years, as I have pursued my goals, I have gone from someone who spent my cash with little regard to the future to someone who maintains a budget and tries to make all my cash count towards my goals. I have read extensively about downshifting and the simple living movement and there has not only been a change in my physical environment, as I sit here in my cosy little 4 roomed house surrounded by trees and peace, but also in my mindset as I see my previous 'needs' as hollow and have a renewed awareness of the impact individuals can make, for better or worse, on the natural environment. I also see my future gradually unfolding, with the ability to indulge my passions and not be dragged down by the unimportant things in life.

I've just re read this and it sounds as though its very straight forward and easy! In reality of course I'm struggling along with the rest of you - two steps forward, one step back - but at least now I know where I'm going and that is a powerful incentive to save.

Regards

Jo