My diposable income has dropped a lot in the last 3 years,though having 3 children and then my marriage ending might have had an effect…….
However,pretty much everyone I know is in the same position,and there is a certain sense of achivement in learning to live frugally and within one`s means.
I paid off my credit card last month,now pay insurance premiums up front to save on the horrendous interest charges you otherwise pay,shop aound for utility,and insurance deals, have signed up for topcash,use a taste card or sign up for deals when eating out,etc.
Im still riding my 5 year old hardtail,and have sold off 2 of my surplus bikes,which in turn has saved money I
d otherwise spend on unnecccesary upgrades.Now it more about the ride than the bike/kit.
I`m quite ashamed of how much money I used to fritter away now.