I think the key thing to think about is to fill your time with low cost/no cost activities (I think I might have mentioned this in another post). Also trying to appreciate simpler things. I'm not advocating taking up the life of a monk, but,for example, in my recent mini-retirement year, I joined 3 volunteer groups, did lots of walking and cycling and used my rail card for cheap rail fares to visit relatives. I still bought wine though!!!