A poll conducted on Twitter revealed that about 44 percent of respondents said they would be willing to accept a 10 percent reduction in pay if they could work at home permanently to spend less time commuting and more time with their families. It is a lovely thought, but is it realistic? Earning less is hardly an option for most people. But that doesn’t mean we can’t take small steps to simplify our complicated lives. With a little effort here and there, before you know it, your efforts will add up to something significant. Declutter Dejunking your life by getting rid of clutter is a cheap, fast, and effective way to become physically and financially sound. It’s also the path to emotional and intellectual happiness. Cultivate Contentment Choose to be happy with what you have. Memorize these eight words, and repeat them regularly: “Buy what I need; want what I …