Thanks to everyone for sharing your inspirational comments!
Afraser, I hear you. I remember when I cut back to three days a week many years ago after my daughter was born I was surprised to see that the financial impact was less than I expected. In addition to moving me into a better tax bracket, I didn't have the costs associated with the long commute and bought lunch. We also socialised less because of the baby and resisted the temptation to fill the house with loads of baby stuff. I realised that saving money was good value, because I was saving after tax dollars. That dollar had already cost me whatever I'd paid in tax so saving $20 a week was the equivalent of getting more than a $30 before tax pay rise! I've been happily frugal ever since.
There's an inspirational site called 'becoming minimalist' which encourages me to live with less and less. I still have a house full of stuff of course! But I have much less stuff than I used to and I am working at reducing it every year. This not only saves me money it makes me happier. Cancer has helped me to become much clearer about what really matters to me. It's not more stuff!