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My motivation for frugality is self reliance / independence / freedom from controlling forces, being financial (mainly) or otherwise. What I mean by that is, I don't want to be locked into a life where I am forced into taking a particular course of action due to lack of money. One of the...

Firstly I'd like to point out I live a fairly luxurious lifestyle, live in a nice house, good car, eat out a fair bit, travel etc. However overall my living expenses are very low. How do I do this? I am conscious of minimising my core living expenses, which I categorise into housing...