Still on for 2012:
Buy quality.
In most case the difference between a poor product/service and a great one is a K or two. Quality makes you feel good and enjoy the product longer.
Eg. get the best car tyres not cheapest available. If you can't afford the best quality, pack at home till you get the cash to do it. Also service at the best yard.(Not necessarily more expensive but the key thing is insist on Quality not saving on cash.).
Cloths. Get quality long lasting shoes (men). Don't mind fashion.
Hair cut. Pay well. Get best hair cut with cool treatment. You feel good and look good
. The energy flows to your productivity and more cash is eventually generated.
Housing: If renting, add a little 3-5k and move to a more secure an classy estate. Your carpet will not be stolen next time your house help cleans it. Your kids will develop in a safe environment and you will feel good. You will be encouraged to work harder from the kind of vehicles/lifestyle you see in the neighborhood.
Learn to spend on what you need (not want) and life will never be the same again.
Help others get what they need.
Invest in knowledge; "The riches man in Babylon" and other related books.
The essence of our toil is to enjoy life's little luxuries.
We are all here for a short time. Keep pilling notes and we shall eventually call for a night meeting to contribute 7k to get you a final home. (
).
Keep it simple