By making a few small changes in your life, you can reduce your monthly expenses and get back to enjoying time with your family - rather than spending your extra time working, trying to make ends meet to support your lifestyle.

　　Not only will you find you have eliminated all or most of your debts in a short period of time, but as you continue the process of saving money and living on less than what you earn, you can take your newfound money and invest it. Interest-earning bank accounts, mutual funds, and IRA’s are all ways you can put your 10% to good use, secure in the knowledge you have something saved for a rainy day.

　　In the overall goal of achieving work-family balance and in the pursuit of greater happiness, giving up some of the little luxuries is very well worth it.

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