TRY OUT THE WORST-CASE SCENARIO

No, you don’t need to move to a shack in the Hebrides. Yes, you should ditch the morning latte. ‘The ancient Stoic philosopher Seneca suggested that we ought to set aside a certain number of days each month to practise poverty,’ says Ryan Holiday, a marketing expert and author. ‘Take a little food, wear your worst clothes, get away from your usual comforts. Put yourself face to face with want, and ask, “Is this what I used to dread?”’ Try a week of worst-casescenario living: no cinema, no gym, no internet. It won’t be as bad as you think, and will teach you where you can cut back while all is well.