How much money a British person needs to be happy

How much money do we need to be happy in the UK? Find ways to make your money go further in the UK with Cheeringup.Info

Does money make you happier? How much money do you need to have a good life in the UK? Salary and happiness is not always the same thing?

You need to cover the cost of daily living including monthly costs of living in the UK. Having money left over to pay for a few luxuries makes life a little more bearable. Money may not make you happy but it does help!

How much money do you need to be happy in UK?

How much money do you need to live comfortably in UK? Is living comfortably enough for you or do you need to live more than just comfortably?

Money can buy you happiness but you need to be earning enough to cover the things that make you happier in life. You do not need to be a millionaire for money to buy you happiness. Indeed being a millionaire can bring different problems. If someone mugs you for your expensive watch it is not much fun!

Many studies have suggested that a happiness salary is in the region of about 45000 pounds plus. Most people are not earning this amount which suggests most people are not happy or at least not happy with the amount of money they have each month. Therefore making what money you do have is important for most people in the UK to make them happier with their life.

If you can do all the things you want and have spar cash at the end of the month then it is likely that you are living a happier life than most. It is impossible to put a finger on how much spare cash brings happiness. Having a little spare money does makes people happier.

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How much money a British person needs to be happy

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Put more fun into life and living in UK with CheeringupInfo

Finding new ways to enjoy life more in the UK with CheeringupInfo

Take care of yourself. Live more moments of fun. Create a life of better fun memories. Seize moments of fun for relief from the daily grind. Be more open to fun and it will enter your life more.

How To Have Fun In Life In UK

Discover new ways to make your life more fun. Live in more fun moments. Be more spontaneous or plan a better day in future. Inject more fun into the way you live your life in UK with help from CheeringupInfo.

Reduce the effort to having more fun. Be more creative and explore lifes opportunities to have fun.

Enjoy life more wht CheeringupInfo

Try new things for less effort and money. Put your worries to one side for a while. Grow into your life more.

Stop sweating the small things in life.

Will you be worried about what you are worrying about now in a years time? Try to get your worries into perspective. Most things you fear will not happen so you worrying about them just wastes your time and energy and makes you unhappy.

Control the things it is possible for you to control. Controlling the controllables and accepting what comes from the uncontrollables will make your life more satisfying. Ask yourself can you control the outcome of what you are worrying about. If the answer is no then stop worrying about it. If you can control the outcome find out what you need to do to control the outcome and do it. Occupying your mind and time with the controllables will help you keep your mind off the uncontrollables!

Having a more fun life is about more than doing fun things or trying new things

Cultivate a more positive mindset that takes in the moment and enjoys the simple life experiences will open you to more pleasure satisfaction and contentment. Waking up healthy feeling good is a pleasure not everyone has and being grateful for what you have is an important part of feeling happier. Feeling happier will open you to more fun opportunities. You are thereby developing a more positive virtuous life cycle.

Identify life experiences you want in your life

Create your life bucket list of experiences you want to try before you die! Tick them off but do not forget to enjoy your bucket list whilst you are doing it instead of just ticking it off.

Make life exciting and more fun today. If life has become a little boring now is the time to rethink your lifestyle planning.

Stop being tired of life today!

The mundane and the routine of life is important to get many practical things done. However having more fun might even help you live longer! Mental health is important not just for the quality of life. Good mental health can help you live longer.

There is always an opportunity to make this time the most enjoyable of your life!

Better living more fun and good personal care is in part down to a life choice. Whatever life throws at you you can still choose to be happier. Some things make it harder but not impossible to have more fun and be happier. Fun is not unaffordable or impossible whatever cards have been dealt to you.

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Learn how to become financially independent

Achieving financial independence with Cheeringup.Info

Find out how to do whatever you want in life in the UK. You may not become captain of a world cup winning team but you can create a financially independent life for yourself. When that financial independence comes maybe later for some than sooner but you can achieve financial independence.

Almost anybody can achieve financial independence provided you are prepared to make tough changes to reach your goals. If you change your goals you maybe able to achieve financial independence even sooner.

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The key to achieving financial independence is to be clear what you want to do with your financial dependence. If you are on minimum wage and want financial independence in 10 years time to go cruising in the Caribbean every year your unrealistic goal will not be achieved! However if you are on minimum wage and want to retire in 35 years time and live in Canary Islands during winter months every year and UK in summer then this is achievable.

Set realistic goals that can be achieved perhaps with some sacrifices. You may have to cut some of your spending habits to achieve your longer term financial independence. You may need to cut some luxury spending in retirement to retire earlier but still be financially independent.

Diversifying how you invest your available money will make it more likely you will achieve your long term goal of financial indpendence

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You do not have to be super rich to achieve financial independence and the freedom to decide how to live your life. You do not have to work until you drop dead. You can choose the work life balance you want from retiring early to working part time to working until you drop dead? Whatever works for you is what financial independence means.

To give you an idea most people in retirement can easily live on £20000 a year in the UK. If you have built up retirement savings of £500000 then you are almost certainly financially independent. You can drawdown retirement income and your retirement savings pot will still grow enough to support you however long you live.

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What do you need in your lifestyle in retirement to live happily?

Luxury is a subjective assessment. Living financially independent does not mean you can live in luxury. If you want a luxurious lifestyle in retirement you will need to build a bigger retirement savings pot. Cut your cloth accordingly.

Realistically you will need to put aside at least 20 percent of your income into a retirement savings pot over 40 years. That does not need to be pension although pensions are very tax efficient and can therefore build a bigger savings pot quicker. That clearly means that many people would need to severely cut their current lifestyle spending.

Some may say they would rather live well now than save for financial independence later or that they just cannot save that much money each month. On the former then that is your choice. On the latter you maybe in the minority of people in UK who literally cannot change their spending habits to become financially independent at any point in their lives. However most people can cut their spending now to save more for later. It just depends on what life choices you want to make and what sacrifices you are prepared to make. Drinking smoking expensive coffee overeating holidays new stuff etc can all make your life worth living for you but if you want financial independence latter in life then many such things need to be cut out of your life now.

If you are prepared to cut things out of your life now to save for financial independence latter you cannot just put savings in the bank

UK banks do not pay interest at a rate that would even cover inflationary costs. In other words money in the bank is losing you money each year! You will never achieve financial independence by just putting your money saved for retirement in the bank. Your retirement savings pot will not grow fast enough to give you financial independence.

Historically stocks and shares are the best investments to build long term wealth. On average they grow in value and pay dividends to build your wealth. You need to reinvest the dividends to build wealth faster so when you get dividends you buy more shares you do not take the money out of that business.

Stocks and shares in an ISA wrapper will save for your financial independence quicker. The capital growth and income from shares will be protected from tax. Your money invested will grow faster. Individual stocks and shares can be saved in an ISA wrapper as can tracker funds covering indices such as the FTSE 100 which have low management fees and spread the risk. Tracker funds can smooth out losses of some shares and the economy especially if you save regularly. Drip feeding your money into tracker funds when stock market falls means you buy more shares when price has fallen that can boost your savings when the investing cycle turns upwards.

Consistent saving in pension or stocks and shares ISA gives you the best chance of financial independence but is not a guarantee. Others prefer to invest in property like their own house or buy to lets. In the former you may have to downsize to access financial independence later in life. In the latter taxation can cut out achievable capital and income growth. Nothing in life is certain. However if you want financial independence you need to start your personal wealth plan now. The sooner you start the quicker it will be achievable.

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Happiness comes from within yourself

Getting to know yourself with Cheeringup.info

Do not look for happiness from external sources. Happiness will not come from other people places or possessions. The place to find true happiness is from within.

Get help to discover who you really are. Stop looking for external things to make you enjoy life more until you do. Find happiness and contentment within yourself.

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Discover a new more positive you when you look more closely within yourself.

  • Realise you are more capable of more than you thought
  • You are important. Your life is important. Get a better perspective of yourself
  • Discover how great your life actually is and how it could get even better

Pick up tips to improve your lifestyle in UK yourself. In addition find a life coach to help you realise your life goals.

Happiness is not sustainable through material things or even other people

Both things and people can make you happy. However true happiness will always come from within. So even when you are in the worst of situations you can still find happiness within.

Seeking happiness from outside ourselves means that you are held prisoner by things or people you can not normally control. You can control your own happiness.

Happiness is a state of mind you can construct yourself from looking within to discover who you really are and what makes you happy.

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How To Motivate Yourself Everyday In UK

Find good ways to encourage yourself to overcome life problems. Live through hard times easier. Give yourself a little push to move beyond barriers to happiness.

Reflect on your successes more often

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Everyone makes mistakes. Dwelling on mistakes and forgetting about your successes creates a downward spiral that can be difficult to pull up from. Take time to be pleased with your accomplishments no matter how small. This will boost your self esteem.

Think about what success in life means to you and find a picture that reminds you of this life goal.

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Put up the picture somewhere that you will see at least once a day preferably more often. This picture will help you to move past daily barriers to a more successful life.

Look after your physical and mental health

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Drink plenty of water eat vegetables or fruit everyday and exercise daily. Looking after your body will help your mental health.

Cut out people negatively impacting on your life and seek out positive people

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Negative people will drain you of your life. Positive people will give you a boost when you need it.

Plan and reflect each day

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Each morning plan what you want to achieve that day. At least one thing but no more than three. By identifying what is important to you each day you can focus your energy on getting those things done. At the end of the day identify the things you achieved that day no matter how small they may seem to others. Be grateful for those achievements.

By being more grateful for what you already have you will boost your self esteem and this will encourage you to do more the next day and the day after.

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Tips advice and support to improve your lifestyle in the UK

Find new ways to improve your lifestyle in the UK. If you are struggling with your financial physical or mental health tune in for ideas on how to change your life for the better. Find ways to achieve more in your life in the UK with best deals discounts and exclusive offers.

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Take a holistic approach to improving your life in the UK. Develop you lifestyle knowledge to make the best choices to improve your life.

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