Hi @swissclive, this is a great Christmas mission.
I am not fulfilling all of your newbie criteria - as I already joined last year but I just returned in December for creating content about downshifting - so still I am a newbie :).
Next days, I will start to tell how we managed to do it by improving our finances in many ways. I like this open-minded and inspiring community on steemit.
https://steemit.com/life/@frondaison/a-downshifter-s-christmas-present-for-kids
https://steemit.com/introduceyourself/@frondaison/how-i-was-stuck-in-life-and-found-my-way-out-the-rate-race
https://steemit.com/life/@frondaison/a-downshifter-s-learning-1-time-is-precious-this-life-is-finite-our-time-is-the-only-thing-that-we-cannot-get-back-once-we-spent
https://steemit.com/life/@frondaison/a-downshifter-s-learning-2-our-rat-race-starts-and-is-kept-alive-through-materialism-consumerism-and-the-strong-believe-that
https://steemit.com/life/@frondaison/a-downshifter-s-learning-3-destiny-calls-you-anyway-en-das-schicksal-ruft-dich-schon-de
To be continued :D
Thank you frondaison. That was lovely of you. Rewarded.