Thanks for responding. And I couldn’t agree with you more that you don’t have to spend to enjoy your time with family friends.

It’s the balance that good choices have to make between the financial and the adding value to your life.

Sadly I often see one at the expense of the other; either a wasteful lifestyle leading to a painful retirement or a frugal lifestyle where folks have tragically not lived to even see retirement.

Great tips though in your original piece, I also have tried to balance my ‘investments’ across property, savings, pensions, stocks & shares. And try our best to save first, spend second.

Thanks again.