What if there was a way to save money without feeling like you’re missing out?  To feel great about every dollar you spend, knowing that it’s contributing to your overall happiness and long term financial health? It seems that saving is analogous to deprivation.  You can’t save unless you’re depriving yourself of something you enjoy.  And you’re supposed to feel bad when you do spend money, unless it’s for the most basic of essentials. Who wants to spend their life this way?  I certainly don’t.  Which is probably why I’ve been so bad at following personal budgets. In a previous post, I mentioned the Happiness Exchange Rate that Bryan Franklin and Michael Ellsberg wrote about in The Last Safe Investment.  It’s the happiness you derive from every dollar you spend or invest.  “Any time or money you spend that allows you to derive more happiness for less money and effort in the future is an investment in your Happiness Exchange Rate.  The payoff, in terms of increased happiness (internal wealth) and decreased expenses (external wealth), can be dramatic.” This is the essence of mindfulness as it applies to money. First, remember that nothing outside of you can ever make you truly happy.  Yes, that new