Dan John in his book 'Never Let Go' provided a great example of how we only have a limited amount of freewill to give each day and our standard of living is essentially determined by the amount of freewill we have left at the end of each day to do the things we enjoy. Naturally this caught my eye, and I developed a new way of living through attaining as much freewill as I could, while ensuring sustainable improved long term cash flows. I like to call this Life Economics. I've been privileged to both be well read, with a degree to allow me to work in the financial sector, and have a range of blue collar skills that I can make some cash on and save a lot of cash with. Aside from doing all my taxation and financial work, saving a bit of cash on brokerage and agent fees and conducting accurate cost/benefit analysis, my biggest cash cows are the DIY repairs & maintenance that I undertake as well as bulk 'production' i.e. cooking and shopping. I measure in terms of both time-savings (freewill) as well as cost-savings (opportunity benefits). To give some examples of the past 12 months: Cost saving of approx. $2500 through DIY vehicle repairs & maintenance (blown head gasket, differential gasket replacement, general maintenace). One-off benefit. Bulk cooking generating several hours of additional freewill for both myself and my partner. Benefits in perpetuity. Acquisition of home gym. Outlay of $2500, annual saving of $1800 in perpetuity. Refurbishment of furniture picked up from wreckers, recyclers and garage sales. Total cost of $150, savings on new of almost $1000. One-off benefit. The list is ongoing and I have estimated my net savings this year will be somewhere in the vicinity of $10,000 and several hundred hours, expected to increase next year. We are saving a significant amount of our take-home pays to generate some real savings that we can naturally direct in the right direction - paying down our mortgage. I have established this thread for all to share their ideas, ask questions, provide constructive criticisms, etc. to improve your and my Life Economics.