10 Things I Do as If I’m Already Financially Independent

Even though I haven’t yet reached Financial Independence (FI), I strive to live as though I already have. My goal is not only to accumulate sufficient financial resources but also to create a lifestyle that will allow me to transition smoothly when the time comes. I want this moment to be less of a drastic shift and more of a natural step into a new, calmer routine. Here’s how I am preparing to make sure that life after achieving FI won’t come as a surprise, but will seamlessly integrate into what I’m already doing.

1. Taking Care of My Sleep

Sleep is the foundation of good health and productivity. To feel energised every day, I prioritise getting enough sleep and ensuring its quality. It’s a simple yet powerful habit that costs absolutely nothing and offers tremendous benefits. By sticking to regular sleep routines and creating a restful environment, I’m setting myself up for better overall well-being, which is essential for my journey to Financial Independence.

2. Planning Holidays While Keeping Costs Low

I know that once I achieve Financial Independence, I’ll have more time to travel and explore new places. Even now, I carefully plan my holidays, using all the tricks I know to keep costs down. From booking flights well in advance and taking advantage of discounts to finding affordable accommodation and alternative transport options, I ensure my trips are enjoyable yet budget-friendly. Travelling off-season is another great way I save money while still experiencing quality downtime.

3. Spending More Time with My Family

I make a conscious effort to spend more time with my family. Whether it’s through weekend outings or making pizza together at home, I prioritise building stronger connections. I believe that nurturing these relationships now will create lasting bonds that remain central to my life even after I achieve Financial Independence.

4. Writing a Blog

Writing a blog is not only a way to share my knowledge but also a tool for self-organisation and reflection on my goals. I document my progress towards Financial Independence, share tips, and discuss my experiences. It’s a way to hold myself accountable while connecting with others on similar journeys. The blog helps me refine my thoughts and stay focused on what truly matters.

5. Discovering Nature

I make a point of spending time outdoors, discovering the beauty of nature around me. Whether it’s a walk in the woods, exploring local parks, or simply enjoying the fresh air, these moments help me recharge and reflect on my goals. I particularly enjoy the sound of birdsong, which adds to the peaceful atmosphere. This connection with nature feels like a return to my roots, a way to break free from the daily hustle and reconnect with what truly matters. It reminds me of the simple joys that don’t require a financial investment.

6. Riding My Bike

Cycling is my way of staying active, having fun, and getting around. It’s not only great for my physical health, but it also offers a sense of freedom. Whether I’m cycling for leisure or using it as a practical mode of transport, it allows me to save money while helping the environment. I try to ride my bike regularly, as it’s a simple and enjoyable activity that fits into my lifestyle and helps me maintain a balanced routine.

7. Striving for Balance

I focus on maintaining balance in my life. It’s important to me to manage my work, passions, relationships, and rest in a way that keeps me grounded and content. I regularly assess how I spend my time and make adjustments to ensure I’m living in line with my values. Finding this balance helps me stay focused on my journey towards Financial Independence while also enjoying a fulfilling and well-rounded life.

8. Education and Personal Growth

I never stop learning. In addition to personal finance and strategies for achieving Financial Independence, I’m also focused on self-development. I read books and explore new ideas that help me grow both personally and professionally. Achieving FI isn’t just about accumulating wealth; it’s also about developing the skills and mindset that will help me manage my life, relationships, and career effectively. Personal growth is a lifelong process, and the knowledge I gain will have a significant impact on the quality of my life once I reach FI.

9. Minimising Unnecessary Things

As I get closer to achieving Financial Independence, I focus on minimising both material and emotional clutter in my life. I make sure my surroundings are simple, functional, and aligned with my goals. I let go of things that no longer serve me, which helps me better organise my time and space. I believe that living with less will make the transition to FI smoother, freeing me from unnecessary burdens and allowing me to focus on what truly matters.

10. Practising Gratitude

I practise gratitude every day. I make a habit of noting down the things I am thankful for, which helps me stay aware of all the positive aspects of my life. This practice allows me to appreciate the small moments, from a cup of good coffee to time spent with loved ones. Cultivating gratitude keeps me grounded, positive, and focused on what really matters, which is essential as I move closer to achieving Financial Independence.

Summary

Although I haven’t yet achieved Financial Independence, I strive to live as if I already have. Taking care of my health, relationships, and personal growth, while minimising unnecessary things, helps me build a lifestyle that supports my goals. By living this way now, I’m preparing for a smooth transition when the time comes to reach FI. I want it to be a natural step, not a drastic change, so I can enjoy a fulfilling life without disruption.