A great post by Jeremy Wright. Having kind of done the opposite from what Jeremy has done, working for yourself back to full time employment, I can agree with all the things he has come up with. I find now that I am spending more on lunch and clothes and things. Before I’d always make lunch at home or really have to think about a purchase.
Still doing freelance work away from my full time job should hopefully enable me to get the best of both worlds. Now if only I could cut my spending habits to be those of when I was self-employed!