I agree with the madness of spending more money than we need to. The first thing I did when I stopped working was get rid of my $60,000 vehicle and instead am driving a $26,000 vehicle. That was my first of many more cutbacks and I hope to make "being frugal" one of my new hobbies and challenges.
Regarding meditation, I do believe you when you say it's the magic bullet, and I've heard and read that SO many times that it must be true, but I just can't seem to find a practice that works for me that isn't a guided meditation. Those are great when you can have access to the audio assistance, but there are times throughout the day and night that I want to meditate, even for 5 minutes, but have no idea how to do it. I put myself in a quiet place with no distractions but then have no idea what to do with my brain. I try chanting a mantra, I try counting backwards from a very high number, I try picturing peaceful scenes, etc. Any suggestions on how to meditate without guided assistance?
Sue