At least not all the time (hahaha!)
This is a common misconception that people sometimes look at me when I share about how we handle money and what we do and how we spend our money.
They think that:
...ie, it seems that we're "broke-er than broke".
But actually, we don't eat out as much because of the increased logistics/planning, and often, outside food tends to be too sweet/salty for our liking. We don't go out shopping much because we're functional people. We don't watch TV because we've got other things to do (like YouTube hahaha, work, life, etc).
It's more important to understand why people think and feel that way, and the answer is usually skin-deep superficial: what you see is what you get.
And that's why people often think that those who dress smart = very smart/rich/good etc; and otherwise, those that aren't well dressed = not so smart/poor/bad/stupid. It's normal thinking, and I'm ok with it.
It's common understanding.
But it doesn't really matter to me.
Like how some people tell me:
I've met so many well dressed slick conmen, and so many handsome/pretty faces that are only skin-deep...yup, they're pretty, but I prefer those who can work, has depth of character - that's more fun and meaningful to me.
So, back to the topic.
What's important to me is a few key things, what are my luxuries are:
My other luxuries are that I can eat almost anything I want to (though I usually don't because I actually limit my costs and watch my health; exception to this is when I have meals and coffee with friends or colleagues/staff, usually we can be generous with them without being overly luxurious); we can buy almost anything up to $10k (or more if it justifies) but most of the time, whatever I pump my money into, it usually ends up in dividend stocks because I want my money to work hard for me, producing dividends for me.
My luxuries when my wife is in her confinement, is I spend $10 - $15 per day buying bread for her to snack on between her meals. In a month, that'd be $300 - $450 on top of our regular expenses.
And that's totally ok with me.
And that's the reason why we don't spend much trying to make ourselves happier. We try as often as we can to do these activities, and the more we do them, we stay in a state of happiness.
Of course, this for me, can be done only when we have met the bare minimum amounts we need to survive such that we're not super duper rich, but we're financially "ok" in a sense we don't really have to worry about having food on the table tomorrow.
We've got our bases covered with health insurance and a place to live in, so the next thing is to maximize amount of money we can make legally, ethically and actively; to invest into dividend stocks. And then we should be more ok.
An example is how we're happy going and paying private healthcare for treatments, deliveries, operations and hospitalization (of course it helps when we're covered insurance wise too).
We're by no definitions rich, though we can spend more, but we jointly decided to be conscious and minimalist about what we want to spend on, curbing back on stuff that don't really matter, and spending (even lavishly, within budget) on things that do matter. All the savings can go into dividend stocks, to work hard for us and producing us continuous dividend over time. This is the philosophy behind our spending.
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