Prioritize. There are probably many things in your life that aren't healthy or enjoyable. Replace them with better things. Last year I ate at the cafeteria every day. Now I cook a lot more often. I'm happier and healthier as a result.

My standard of living always improves while co-habitating. ;-)

purchasing a better vehicle will be my next step of improving my living standered. Current car does not have traction control.

1] While still studying made sure I chose the career I liked and that is a good paying one, did my very best to have excellent grades and was able to have a partnership law firm. 2] I always make sure I make enough that provides the necessary income to keep or if you wish raise my standard of living. 3] My parents gave me a nice loft that meets my needs did not go crazy for a huge home that would make me pay more in utilities. No mortgages. 4] Live on a well thought budget and make sure I save no less than 20/30% of my income if I make or get extra from my parents that goes to savings as well. Not in banks but buying precious metals. 5] I have a very good health care insurance program, it is foreign as it was the best available. Once settled as mentioned then: 1] Eat healthy, no junk food not used to it. 2] I don’t drink or smoke so out of the question. 3] Workout at home 3 times a week while listening to music & at a gym 3 other times a week and then the spa to pamper myself. 4] Use a bicycle to go shopping. 5] Have a medium size car that does not eat fuel. Use it the least possible. 6] Work with my beautiful plants and garden I enjoy it very much. 7] Walk my pets and take good care of my canaries I love them all. 8] Care for how I look go to the hairdresser & also get a good manicure once a week. 9] Take care of my clothes and feel good in them. Buy whatever is necessary without over spending not lowering quality for quantity. 10] Get together with my friends on Saturdays. 11] During winter my parents come over on Sundays, mom cooks and dad and I play chess and chat. 12] In my free time from work read, paint and listen to good music. 13] During summer – beach sports during winter skiing and skating. That is about it, I am very happy with my living standard and life style. Suggestions are accepted!!!!

Have a goal. Saving money? Does it mean having a net worth of $150,000 in ten years and $500,000 in 20 years? Being able to afford a vacation home or retirement in Italy? You decide. Start by defining what you mean by Standard of living. Be disciplined. The key is consistency -- sticking with your plan month after month after month. Decide where to put your money. Many people set up a savings account at their local bank or credit union and make deposits each month. (Later, as the money builds, it can be transferred into higher-yielding financial vehicles.) Others arrange direct deposits from their paychecks or make e-transfers to investment and other accounts. Yet others choose to invest in stocks, bonds, or real estate. It depends on your standard of living plan. Stop comparing. Don't compare yourself to someone who is younger than you. Or less stressed. Or more motivated. Or thinner. Or bigger. Or richer. You are free to just be you and love all that is you, regardless of what anyone else thinks! That is FREEDOM. Eat more fruits and vegetables, fewer high calorie foods, and get more exercise. Walk at least a mile every day. Share you good fortune with others. Do volunteer work at the local food bank or hospital.

Here's a simple answer: Make your expenses less than your income. Limit your procreation to what you have time for and can afford. For some people that means not procreating. Make the effort to love.

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