Would you like to live a dream life?  Wouldn’t we all?  Well, I am going to explain to you how you can achieve your dream.


It starts with gratitude.  Be grateful for what you already have.  If you live in the UK you live in one of the richest countries in the world.  You will not starve,  you will not be deprived of healthcare and you will always have a roof over your head.  Well apart from a small, unfortunate minority of people.  Compare yourself to billions of people in the third world who do not benefit from these privileges.  By comparison, you are rich.






You also happen to live in a country of opportunity, a country where you can start with nothing and build considerable wealth if you work hard enough and apply yourself.  That’s why so many people still emigrate to the UK, especially from the third world and lesser developed countries.


I should know.  My wife is from Kyrgyzstan, a lesser developed Central Asian country and formerly part of the Soviet Union.  People are relatively poor, benefits are virtually non-existent, jobs are hard to find, inflation is soaring, the government is corrupt, bribery is prevalent and opportunities are hard to come by.  Life is tough in Kyrgyzstan and it isn’t even a third world country.  My wife’s ex-school friend lost his leg in an industrial accident at work when he was just 18.  He was lucky to survive and received virtually no compensation.  He works as a taxi driver.


It is important to put things into perspective and realise just how lucky you are to live in the UK.


So how can you live a dream life in the UK in the 21st century?





First of all, you have to define what is a dream life for you.  Is it money, business success, getting married and starting a family, achieving sporting success, happiness or something else?


Whatever it is, it is probably going to cost you money so it’s a good idea to get your personal finances right first.  Why is this?  


Well, we know the best things in life are free but you are kidding yourself if you don’t think you have to get your finances in order.  Let’s face it being financially comfortably off is more enjoyable than being broke, isn’t it?


Research shows that people who are better off financially live healthier lives, live longer and have less relationship breakdowns meaning less broken homes.  Surely that’s a good thing and something that puts you on track to live a better, more purposeful and happier life, isn’t it?


So how do you build this dream life?  Well, a good starting point is to have less wants and more needs.  In the consumer society, we now live in it is more important than ever to not succumb to the endless wants on offer.  Focus on what you need rather than what you want.  Let’s face it there are limited needs but unlimited wants.


By adopting this habit you will discover the secret to wealth creation.  Spend less than you earn.  






I know this sounds incredibly simple but believe me when I say this is the number one secret to wealth creation.


Show me a self-made man or woman and I will show you someone who practised self-discipline with money and spent less than they earned.


Practise this habit my friend and you will live a dream life.  I can assure you that.  You know it makes sense.*



*The value of your investments can fall as well as rise and is not guaranteed. You may not get back what you invest.  

This blog is based purely on my personal opinion and experience. You should always seek advice from a professional before investing your money. The contents of this blog are for information purposes only and do not constitute individual advice. All information contained in this article is based on our current understanding of taxation, legislation and regulations in the current tax year. Any levels and bases of relief from taxation are subject to change. Tax treatment is based on individual circumstances and may be subject to change in the future.