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From accumulation to de-accumulation?
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….it's a tough one. I changed my "budget" plan to a "spending plan".
I Worked out what our total income is, took off our "essential spend", and the rest is money to be spent.
I also set up a completely new current account and take a regular sum of money out of pension income as soon as it arrives in my main current account, (and this does not appear on my monthly accounts spreadsheet). Any money accrued is treated as "free money", to be spent on anything that takes my fancy.
.."It's everybody's fault but mine...."1
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