We are beginning a renovation project in our kitchen. It looks just the same as when we moved in 21 years ago, along with the wear and tear from raising four kids--tired wallpaper border that I was crazy about in 1994--not so much now; dark cabinets;two-tone walls (lower with wood paneling, upper in white); tiny pantry; a couple of cabinets with missing drawer-front panels; some crumbling floor tiles--pretty much a dismal mess.
About a month ago, DH and I were browsing in our favorite local
Over the weekend, I watched a few of the 'debt-free screamers' telling their stories on the DR website. What great motivation! We have been on this journey for several years now, and we have no debt other than our mortgage, but since we are in our early 60s and retirement is daily on our minds, we really and truly--no, I mean REALLY and TRULY--want to get this done. I needed the extra little push that those "screamers" provided.
DH and I are in agreement that we would love to take one big trip ABROAD before we settle into our quiet and conservative golden years. A retired single friend of mine took a lovely tour of Ireland/Scotland last fall that seems to be exactly what DH and I would enjoy. It is with a young travel agency that offers very competitive pricing and small, intimate groups for the tours, going off the beaten tourist path, instead of the "herd effect." For years my dream was to visit Spain, but I know t
I just ordered an e-subscription to the weekly newspaper in the little community where DH and I would love to retire in just a few years. To me, it feels like a tiny baby step in the direction of making this dream a reality. We have a lot of planning and careful timing/ strategy ahead...including finding a place we would want to live, exploring potential work (because though we would officially "retire" we would want to continue being actively employed for a few more years). The community is
Now that things are back to "normal" (post-wedding), I am recommitting to the use of my grocery envelope/ cash system. It worked so well for us in the past, and is one place in our budgeting where we truly have control over expenses. Today is my monthly payday--I'm going to withdraw all but $60 of my grocery budget (have to leave enough in to use debit card for Bountiful Baskets orders which require online purchase/payment). I'm excited about the meal planning and the careful shopping that will
My DH and I are in our late 50s, and we are finding that as we have more free time, we are less able to physically do some of the recreational activities that we loved in our younger days. This is especially DH, whose joints are completely worn out so that hiking is out of the question. That used to be my number 1 favorite outdoor activity. I have secretly been "mourning" the loss of that as a shared time in beautiful surroundings. Well...long story very short...DH has acquired a nice older
Some of you may recall that a little over a year ago i told about layoffs and position eliminations that occurred in my workplace. Today, the ongoing reorganization struck in my own unit. Five positions were eliminated (with 90-day notice, effective 10/6). Five new positions will be posted with completely different job responsibilities. I am feeling some "survivor guilt", I suppose, because out of the 5 displaced employees, only one of us (myself) has been promised that one of the new positi
Since Facebook has become so popular, one lovely result has been reconnection with my cousins! I'm from a family with lots of first cousins; on my dad's side, there are 13 of us--on my mom's side there are 12. When we were all kids, we lived in the same area, and we had many family gatherings at grandparents' homes (on both sides of the family).
Life happened....parents' jobs brought about moves--some out of state, and others to some distance within the same state. We grew up, went to c
Last night I opened two new accounts with Ally Bank. Last week I had closed a savings and checking account at a local bank because they were going to start charging a monthly fee if i didn't keep a certain balance. I've seen several of you on this board refer to your Ally accounts, so I checked out their website and was pleased with what they offer. I'm starting really small--just a savings account, and a 3-month CD. My goal is to start "laddering" CDs, as another piece of our savings puzzle
I am having so much fun planning my first garden! Sunday afternoon I spent a while browsing through my Burpee seed catalog, noting page numbers for things I may want to plant. Then, on my way to my mom's house (she lives in a small town about 35 miles away), I stopped in at the Southern States store, and saw that they had just set up their seed display. I was happy to see that they had Burpee seeds (many of the very same that I had liked in the catalog), and also some of their own "brand" tha
We have some unexpected increases in expense ($30 additional to the escrow part of mortgage payment for taxes/insurance) and decreases in take-home pay ($35 from each biweekly paycheck). I got the first revised paycheck this morning and have filled the grocery envelope and the bus pass envelope. I transferred the allocated amounts to the emergency fund saving account and to the gifts and vacation sinking fund savings accounts. I am determined to try to keep up the momentum that we had establ