Dear Dáithí: How do I find a way to enjoy life without constantly calculating the cost?

I would never treat myself to a takeaway coffee because I’ve spent so long saying ‘we have tea and coffee at home and it’s cheaper that way’

'Myself and my husband both had work but the money just melted away on mortgage, food, car, insurance and all the other usual stuff. We didn't go without, but we never bought anything without waiting for a sale or checking for discount codes or loyalty offers.'

Dear Dáithí,

I have an unusual habit of not being able to spend money on myself as I just can’t justify it.