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Don’t give up the day job!…well not quite yet anyway. You’ve still got bills to pay and it may be months before it all comes together. Hang on in there, grit your teeth, take holiday owing to you and meanwhile consider your options before setting your plans into action.

Downshifting essentially is the process of trading a high-speed, high pressure lifestyle for a simpler, more fulfilling way of life. For some people it may mean a change of job or career, but more often, it can involve a complete lifestyle change and relocation to a different part of the country or even emigration. However, its not a guaranteed key to happiness.

Are you ready?

Ask yourself the following questions and answer them truthfully

1) How would you feel about earning less money or living in a smaller home?

2) Would you be willing to trade in your flashy car for something more practical?

3) Do you have any financial commitments that would make it impossible to live on a lower income?

4) Do you have skills or talents that could make self-employment an option?

Lets face it…we all sometimes wish we could ’have our cake and eat it’. The reality though, of successful downshifting, more often than not, means being able to adapt to your new lifestyle to make things work. Most ‘downshifters’ are only too happy to swap their ‘big house, 2 car’ lifestyle. A better quality of life changes from material wants to spiritual needs and if you’ve made this mental change already then you could be making the right move.

Practically, there are also things to consider and perhaps the biggest stumbling block is how to make the change if you have debts to pay. Large financial commitments won’t go away when you ‘downshift’ and it may well be harder to repay these with your new lower income. However, if you are a home owner and plan to relocate, you may be lucky. This might be just what you are looking for.

Many downshifters look to relocate to a different area of the country and most will look to an area where housing is cheaper….it makes good financial sense! Selling up your city home could make you ‘quids in’ if there is collateral in your property, especially with house price increases over the last two years. Your modest home in London that you sold for ?400,000 could very well get you off to a good start. With house prices doubling you could have ?200,000 collateral and this may buy you a modest rural home with a few acres in some parts of the UK! The profit you’ve made on your house sale could also be used to sensibly

ler, more fulfilling way of life. For some people it may mean a change of job or career, but more often, it can involve a complete lifestyle change and relocation to a different part of the country or even emigration. However, its not a guaranteed key to happiness.

Are you ready?

Ask yourself the following questions and answer them truthfully

1) How would you feel about earning less money or living in a smaller home?

2) Would you be willing to trade in your flashy car for something more practical?

3) Do you have any financial commitments that would make it impossible to live on a lower income?

4) Do you have skills or talents that could make self-employment an option?

Lets face it…we all sometimes wish we could ’have our cake and eat it’. The reality though, of successful downshifting, more often than not, means being able to adapt to your new lifestyle to make things work. Most ‘downshifters’ are only too happy to swap their ‘big house, 2 car’ lifestyle. A better quality of life changes from material wants to spiritual needs and if you’ve made this mental change already then you could be making the right move.

Practically, there are also things to consider and perhaps the biggest stumbling block is how to make the change if you have debts to pay. Large financial commitments won’t go away when you ‘downshift’ and it may well be harder to repay these with your new lower income. However, if you are a home owner and plan to relocate, you may be lucky. This might be just what you are looking for.

Many downshifters look to relocate to a different area of the country and most will look to an area where housing is cheaper….it makes good financial sense! Selling up your city home could make you ‘quids in’ if there is collateral in your property, especially with house price increases over the last two years. Your modest home in London that you sold for ?400,000 could very well get you off to a good start. With house prices doubling you could have ?200,000 collateral and this may buy you a modest rural home with a few acres in some parts of the UK! The profit you’ve made on your house sale could also be used to sensibly

you have any financial commitments that would make it impossible to live on a lower income?

4) Do you have skills or talents that could make self-employment an option?

Lets face it…we all sometimes wish we could ’have our cake and eat it’. The reality though, of successful downshifting, more often than not, means being able to adapt to your new lifestyle to make things work. Most ‘downshifters’ are only too happy to swap their ‘big house, 2 car’ lifestyle. A better quality of life changes from material wants to spiritual needs and if you’ve made this mental change already then you could be making the right move.

Practically, there are also things to consider and perhaps the biggest stumbling block is how to make the change if you have debts to pay. Large financial commitments won’t go away when you ‘downshift’ and it may well be harder to repay these with your new lower income. However, if you are a home owner and plan to relocate, you may be lucky. This might be just what you are looking for.

Many downshifters look to relocate to a different area of the country and most will look to an area where housing is cheaper….it makes good financial sense! Selling up your city home could make you ‘quids in’ if there is collateral in your property, especially with house price increases over the last two years. Your modest home in London that you sold for ?400,000 could very well get you off to a good start. With house prices doubling you could have ?200,000 collateral and this may buy you a modest rural home with a few acres in some parts of the UK! The profit you’ve made on your house sale could also be used to sensibly

u’ve made this mental change already then you could be making the right move.

Practically, there are also things to consider and perhaps the biggest stumbling block is how to make the change if you have debts to pay. Large financial commitments won’t go away when you ‘downshift’ and it may well be harder to repay these with your new lower income. However, if you are a home owner and plan to relocate, you may be lucky. This might be just what you are looking for.

Many downshifters look to relocate to a different area of the country and most will look to an area where housing is cheaper….it makes good financial sense! Selling up your city home could make you ‘quids in’ if there is collateral in your property, especially with house price increases over the last two years. Your modest home in London that you sold for ?400,000 could very well get you off to a good start. With house prices doubling you could have ?200,000 collateral and this may buy you a modest rural home with a few acres in some parts of the UK! The profit you’ve made on your house sale could also be used to sensibly

ost will look to an area where housing is cheaper….it makes good financial sense! Selling up your city home could make you ‘quids in’ if there is collateral in your property, especially with house price increases over the last two years. Your modest home in London that you sold for ?400,000 could very well get you off to a good start. With house prices doubling you could have ?200,000 collateral and this may buy you a modest rural home with a few acres in some parts of the UK! The profit you’ve made on your house sale could also be used to sensibly clear off debts, or provide a down-payment on your next home or be used as a nest egg too see you through those first 6 months while you find your feet in your new location.

Having cash capital will really help you on your journey but don’t give up if you don’t……your time goals may need to be changed but its not impossible. Make a start now and cut those credit cards up and get rid of as much debt as possible. You may think its impossible….its not.

Ways of reducing debt

* Move your high interest credit cards to a 0% APR card and then cut that one up as well.

* Run a cheaper, more practical car…get rid of the flashy one. Your new one will save loads on cheaper insurance and cheaper parts. To hell with what the neighbours think when you drive down the road in your ‘flintstones’ replica…you’ll be out of here soon!

* Run only one car and not two.

* Buy less pre-packed junk food and cook meals from scratch…..it really is much cheaper. Don’t feel deprived just because your not eating junk or buying ready made meals from Marks & Spencer. Stuff bought from the ‘savers’ range is fine!

* Packed lunches for children with sandwiches, piece of fruit and squash drink will cost you less than 50 p per child which will save you ?1 per day per child, which is what you would be paying for school lunches……

* Stop feeding your dog expensive tinned food. Go and buy a 20kg sack of complete dried dog food for ?10. It’ll soon eat it when it gets hungry and save you a fortune!

There are lots of ways to cut back and save loads. Do it now if you want to downshift bad enough and feel that your financial situation is holding you back. The more money you save, the more money you have to pay off those debts or to put by as a financial buffer when you make the move.

If your financial situation is good try the above anyway….it will stand you in good stead for making your money go further when your income is reduced after you downshift!

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