Where Next We Winter 2019

In RV land, it is NOT too early to start thinking, planning AND booking your 2019 winter vacation. RV land has many, many fellow snowbirds and competition can be keen as many sites fill up quickly up to a year in advance. DH and I are done with Florida (personally, I don’t think I will ever go back to that state!) Our next hurdle to climb was finding another spot in The United States that will be warm in January, February and March. That turned out to be Phoenix Arizona for us.

Unbeknownst to us, Arizona has a plethora of top-notch, state-of-the-art, luxurious RV parks. Many of them have multiple pools and spas (the one we chose has four olympic-sized pools with the same amount of hot tubs and a massage center) and cater specifically to the million-dollar motorcoach RV crowd. The one we selected has all of the above plus offers over 165 activities during the week. There’s also golf, tennis, paddle ball, bocce, concerts, special events, two restaurants and a cafe on site, exercise fitness center, a special section for the over-55 crowd and another special section for pet owners (with three doggie activity parks). The amenities go on and on; too numerous for me to mention here.

The best part is the price! For what we are paying for three months in Arizona would have cost us just one month in Florida. We have our own cement patio with enough room all around us so that we don’t interfere with our neighbors PLUS we can get some privacy! When I called to make a reservation and leave a deposit, the booking agent told me she only had a few sites left. Whew!

It’s going to take us a few days to drive the 2490 miles to arrive in Phoenix, but thankfully KOA (which is mainly where we like to stay) offers door to door directions plus lists other KOA RV parks along our route (28 to be exact) , so we can plan our trip accordingly.

drive from NY to AZ

In addition to the 165 weekly activities, DH and I plan to take a few mid-week trips to finally see The Grand Canyon and Sedona. This is going to be a new, exciting adventure for Nick and I. One that we are looking forward to. I’m hoping the desert climate will be good for my soul as well as my health.

Here are a few more photos of the park:

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How I Do Frugal Decorating

I’m in the process of renovating my 16-year-old master bedroom. I have no idea how I want my bedroom to look because for me, it all depends upon costs rather than preference. Let me explain. I know I want to rip out my 16-year-old carpeting and replace it with some new wood laminate flooring BUT I have no idea what style I am going to get or how the mood of the room will be set until I start looking at laminate flooring costs. I may have my heart set on one style BUT when I actually get to the showroom, the costs of my dream might be cost prohibitive.

Thus begins my frugal decorating journey. I literally do it by the seat of my pants.

In the interim, I have been combing through interior designer magazines and master bedroom makeover YouTube videos. I’m getting a feel for what’s in and what’s out; what should be DIY and what should be definitely store-bought.  This way, when I finally get to the flooring showroom, I can match a frugal price to what’s chic, hip and “in”.

I know once I have the new flooring installed, the look of my room, as it is now, will totally change. My bedroom furniture, which consists of an armiore and two matching night tables from Broyhill are timeless and will suffice. As will  the latest wall paint. The walls are in very good condition and even if I had to re-paint I would choose the same, soft yellow/beige color. I just have to touch up the white trim on the floor boards and around the windows as well as finally paint the radiators white. My Tempur-Pedic mattress is still good for a few more years but my black wrought iron headboard is in question. As are the matching black wrought iron curtain rods. I’ve noticed most bed have a tufted, upholstered headboard. I started pricing them out on Wayfair.com and I could buy a decent designer model, queen-sized headboard for around $150.

I know that my decorating desires have to be restrained to my spending limits. This can be very disconcerting at times because I can’t always get what I want. I always, however get what I need. I can’t retail shop. I can only shop sales, close-outs, floor models, sample sales, thrift and Goodwill.

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We’re installing this style in our bedroom

First stop: Lumber Liquidators to pick out and price our new flooring. As our luck would have it, the salesperson told us if we could wait a day, the entire store was having a total liquidation sale. We found the style laminate flooring we wanted @$1.89 a sq. foot. If we waited the one day till the sale started, we could get the same flooring for @$1.59 a sq foot. That was a savings of over $150 just for waiting! Which we did.

I also noted that our new flooring has little traces of black strewed about. That black convinced me that I don’t have to buy a new headboard. I can keep my existing black wrought iron headboard (it’ll go perfectly with the new flooring) as well as the two matching curtain rods. So, that’s even more of a savings for us. Score! The green curtains, however, may need to be updated (or maybe dyed)! Stay tuned for that.

We already have two recliners in our bedroom but they date back to 1994. Gulp! Both those oldies are being tossed. (DH is going to keep one however, the dual recliner, for his barn). We are either going to buy two new recliners (I have my heart set on Lay-Z-Boy but as I said, price rules) or one dual recliner, or two comfy, upholstered chairs with ottomans, or a comfy love sofa. We have a very large master bedroom. I’ve split the room into two parts: one side for the bed and the other is for us to use as a TV sitting area. I keep our large, flat screen TV inside the armoire.

I’m certain I’ll have to update the bedding. Maybe not so much the sheets but I probably will buy a duvet cover for our down comforter. Perhaps a few matching pillows (it’s pillow time again!) Our dust ruffle has to go! I’m not worried about our two matching side table lamps because those can be easily painted to an updated color. Right now my dust ruffle and lamps have roses on them. I know, I know, the roses have to go. I’ll also need some new artwork, but that’ll also be a DIY project for myself, as will be the lamps. I’m good at that kind of stuff!

I’ve alloted $1,000 for our master bedroom redecorating, which sounds like a lot of money. Right off the start we spent $470 on the new wood flooring, which is almost half the budget! DH is installing the flooring, along with his buddy. Costs to take into account will be the dumping fees of the old carpeting and wood flooring waste. I’m also certain DH will be slipping his friend a few bucks for helping us out. As you can see, the money doesn’t go very far. Another must-have item, will be a new area rug. Again, I have nothing set in my mind as to style, texture or color. I usually buy our area rugs at Big Lot. They have a great, highly discounted area rug selection. Fingers crossed that I can find a good deal there and NOT go over our budget. $1,000 isn’t looking too adequate right now.

But watch me pull a rabbit right out of my hat!

Let The Spring Cleaning Begin!

Now that DH and I have decided our NY property will be our forever retirement home, we have been busy getting our house in order. First up: the purge! We are getting rid of all the stuff we have accumulated here over the past 17 years that we no longer need nor want! Some of the stuff we have taken to Goodwill. Some stuff we sold (like three bikes!) Some of the stuff we just gave away. And some of the stuff we had to pay someone to haul away!

got junk
the view from my window

1-800-GOT-JUNK’s advertisements are true! You just make a phone call, they immediately come over and you just point to what you want removed and they do all the work. That’s DH with the cap on, telling the two men what to haul out of our basement and barn. It was as painless as possible. The bill only came to $211 (a slight ouch) but look at the results:

open shelving
I haven’t seen these basement back walls in 17 years!

Our basement is almost entirely cleaned out and Nick’s barn is coming up to a close second. Next up is our new bedroom laminate wood flooring ($600 est). We’re off tomorrow to purchase a new wood floor from Lumber Liquidators. There are only two more days left for their 30% off entire store inventory sale. The new flooring will have to remain inside our home, still in boxes, till they acclimate to the interior temperature for at least a week. Then the installation process begins!

trees

 

While we wait, we have to tackle several fallen trees on our property from all the winter storms. Ugh. What a mess. What a lot of work! Thank goodness we have hired a crew to do all the work for us ($500). Ka ching! But so worth it. Once this is done, we’ve retained a company to power wash the exterior ($325). That’s 17 years of gunk that needs to be gone!

I’ll keep you posted.

And so our retirement beginnings continue onward.

Want To Know Your Purpose In Life? Do These 12 Exercises.

J.D. Roth, prolific financial writer that he is, posted a few days ago, on his Get Rich Slowly blog, that if you want to know your purpose in life, he has compiled 12 exercises that will reveal your true self. I’ve been spending much time on the exercises and they are revealing. You have to re-vision yourself as a child, which according to Roth is your true original self and then take it from there.

I detest thinking of myself as a child. I had a very tumultuous childhood. It’s one that I’d rather forget because the memories are too painful. In the midst of my pain however, I learned to sharpen my humor, tell jokes and just laugh it all away. I was more than a class clown. I mastered a sense of humor that could qualify me as the next Joan Rivers. But I would have no part of that. I just wanted to get through life. And I wanted to forget my experiences.

I’ve been keeping a diary of my life since I was fourteen. And I’ve been wanting to kill myself and commit suicide since the day I was born. There isn’t a day I don’t think about ending it all because I think it’s a way of ending my pain. I know how preposterous it sounds and that’s probably why I only dream about doing it and never, ever actually do it. I’d miss myself too much to endure a life without me.

Doing the exercises Roth recommends made me think back to my diaries (which I have kept faithfully throughout all these years). The opening line of my very first diary is this sentence: History Of A Failure. Can you imagine being 14 years old and thinking your life as a failure? Well, it was. I’d been beaten and abused, neglected and tossed aside since that day I really was born. Only my mother defended me and tried to get me the help that I needed. But it was the 1950’s and there was no tolerance nor understanding of my creative self. I was a square peg being forced into a round hole and guess what? It never quite worked out.

Thinking about myself as a teenage failure made me realize one thing. As I got older, wiser and smarter, I started taking the bad things that happened to me and turned them into successes. Today, I do NOT think of myself as a failure. I think of myself as a survivor. I’ve been able to master each and every calamity with style and grace and make myself a victor. Not a victim. Until I took Roth’s quiz, I hadn’t realized how well I had accomplished this feat. So, I thank J.D. Roth very much for this insight and I plan on continuing to fulfill the rest of his 11 exercises.

Exercise #1: In 100 words, what is my life philosophy? Core Beliefs? Values?

Life Philosophy: It’s a dog eat dog world out there. No one really is your friend. Not your family or devoted spouse. Not your co-worker, business partner, school friend or parish priest. When push comes to shove they’ll leave you in the dust. Everyone is out for themselves.

Core Beliefs: I believe in an all supreme, powerful being……..God. Always the same. Never wavering. God is my one true friend. He will never disappoint me. He will never betray me. He is always there for me. He will always guide me. He will always protect me.

Values: Family values. Family love. Only family truly matters. If you have raised your children right, if you have treated your spouse fairly, honestly and with respect, the love will always shine through.

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Pillow Fight

DH and I are in the middle of a redecorating challenge. As we are putting in a new wood laminate floor in our master bedroom, we also decided to spruce up other parts of our 1120 sq. ft home.  Many of the things we wanted to do have been neglected for the past 17 years since we first moved in. You know. Those kinds of things that really aren’t on the top of your list BUT you want to get them done anyway. Eventually.

Like replacing the pillows your couch came with. Deep down in your soul you know those original pillows didn’t go. They’re not interior decorating design material like the couch is. Where, when and why did the manufacturer go off the design trail? The couch is good but those pillows!

It was never the top thing on our priority list because we had much more pressing things to accomplish than replace those silly pillows. Well, here we are, fifteen years into that couch and now, it’s time to do an update. Buying a new couch is totally out of the question. The way around buying a new couch is to update and modernize those pillows!

But I don’t rule the house solely anymore. You-know-who is recently retired and now has to get involved in most everything that has to do with this house we share. And naturally, of course, he and I have completely different styles and designs. The decorating was tolerable pre-retirement because hubby was never home and I did whatever I wanted to. And why not? As I said, hubs was never home, rarely used the living room and just made a bee line from the side door, to the kitchen table (to eat dinner) and then slither in to the bedroom whereupon he collapsed into a dreamy Sears posturepedic bed. Lather. Rinse. Repeat.

Our living room has traces of blue in it. My first thought for couch pillows was to pick up the blue. Throw some color into the darn, boring room once and for all. So, I came up with this selection, pictured below. Be forewarned, new pillows are very, very expensive! Usually, when I had my sewing machine, I would make my own pillows. This time around, however, I wanted designer, decorator pillows.

blue pillows

Needless, to say, DH hated these pillows and ordered them back to the store. Only this time, he was going to come with me and he was going to pick out the pillows. What he came up with were boring brown/tan canvas pillows. Again, no color.

Since I did NOT want to fight or argue with DH over friggin’ pillows, I decided to keep his boring brown/tan canvas pillows (at least they were Tommy Hilfiger) BUT I found a designer, hand made pillow that just screamed of color and added my choice in with his mix.

Voila’

final pillows

 

He’s happy. I’m happy. And still to this day, no one sits in the living room anyway. We keep it neat, clean and tidy for when unexpected or family quests come over. Only, sad to say, no one really comes over any more. But at least I can check off the pillows from my decorating bucket list. Total cost: $76.54 ouch!

We had to replace a table under our Italian, golden living room mirror because stupid me, brought that piece of furniture to our Florida condo whereby it was sold!  I was going to replace it with a liquor cabinet but realized the heating system would be blocked. So, I came up with a sort of sofa table. This time, DH and I picked one out together, at Home Goods, for only $99 ($108 with tax). We both love it! And I think it looks great. Our living room looks much better now. Le sigh.

Stay tuned for before and after pics of our master bedroom. It’s going to be HUGE!

mirror

The Start Of A Bohemian Retirement Lifestyle

I wouldn’t exactly call myself a Flower Child of the 60’s (it’s just a coincidence I live near Woodstock, NY….I swear!) but I would call myself an unconventional person who is a nonconformist, free spirit, drop out (from the human race, for sure!) and I have informal and unconventional social habits (which most oftentimes are connected to writers, which is, of course, ME!)

In other words, I’m a bohemian. Defined, according to the dictionary:

word meaning

I’ve never lived my life like anyone else so I’m very certain I’ll be living the same way in my retirement. In other words, I’m not conventional. I think differently than most people. I see things that most other people can not or refuse to recognize. Most introverts, such as myself, are blessed with the ability to see the little things, which in the scope of bigger things truly is the most important.

bohemian man
not hubby, but I’ll still take one to go. LOL!

You won’t find me or my husband wearing tie-dyed shirts or love beads. You won’t find us on some eco picket line or driving a vehicle that burns french fry grease in order to save the environment (but I am 1000% against fracking!) You will, however, find us wearing the same tee shirts, untucked with straight legged jeans over and over again, coordinated with some form of a slip-on shoe. We shun commercialization. We despise consumerism. We detest competitiveness. And yes! We’re extremely over opinionated. We can’t understand why the world doesn’t see it our way? After all, our way is so much better.

DH and I are going to have an unconventional retirement. We’re probably going to kick the system firmly in the butt and defy all predictions. Thankfully, we’ve had a very good, but long head start. We’ve been ‘practicing’ retirement for at least 10 years now. Never, however, without a financial safety net (Nick’s job). Now that the safety net has been withdrawn (Nick officially retired) folded up and put away at the bottom of some drawer, I’m very curious as to how all of this is going to turn out.

Life is an adventure. Life is an experiment.

Life is a box of chocolates.

You never know what you are going to get (Forrest Gump).

Looking forward to the next thirty years.

How To Manage Cash Flow In Retirement

Even though I have been retired for 17 years, hubby kept on working. So, I wasn’t really retired in the sense because somebody in our duo was still bringing in money. I never had to fret about money or cash flow because basically we had money and cash flow constantly streaming in!

Fast forward to today and the eventual has now happened. Hubby has now officially retired; he’s no longer working; he’s no longer bringing in a good-sized salary. Now, I’m officially retired myself along with hubby. This is the point in our lives that we have been planning for. We now have to rely on different income streams of money. We have to learn to live within our new means. We have to comprehend that if we make a money mistake we may not have the fortitude to correct it anytime soon. We have to face the fact that if we don’t handle this real retirement correctly, we could effectively run out of money in our old age!

Wake up call!

Technically, we’re starting over and anew. “Retirement is a milestone and a good opportunity to start fresh,” says Ralph Poirier, vice president of cash management at Fidelity Investments. The clean-slate approach, he says, has the potential to make dealing with finances easier, more efficient, and cheaper if you can consolidate accounts and mitigate fees.

Diversity Casual People Retirement Celebration Career Goal Conce
stock photo

Right from our new retirement beginning, DH and I have decided and agreed that we are going to forget and forgive ourselves from our past financial indiscretions. This is a new day. This is a new life. I think we have garnered enough financial experience to know what to do and what not to do.

Naturally, of course, I’ve been reading and pounding the pavement and learning how to live within our new financial guidelines. One of the best (so far) articles I have read concerning proper cash flow management in retirement comes from Fidelity Investments (of course) click here.

To start, consider the ways that retirement can change cash flow. Your weekly or biweekly paycheck may be replaced by income from a variety of sources, including Social Security benefits, pension distributions, and annuity payments. Some retirees may even generate income from part-time employment or sales of assets.

Spending patterns will also likely change, reflecting both your new lifestyle and shifting financial responsibilities. When you retire, often nothing is being withheld for state and federal income taxes, so you may be responsible for any quarterly estimated taxes. Likewise, most retirees generally have to pay health care and other insurance premiums directly to the insurance carrier(s). Some retirees may also find they are traveling more or living in dual residences. All these situations can make monthly bill paying even more complicated.

DH and I just sold a valuable asset (vacation home). It was a challenge to figure out what we were going to do with the money and how we are going to make it last. In the ‘before retirement’ days we would have gone out and spent a good chuck of it. We would have taken a very expensive vacation (Italy or Europe), we would have bought ourselves another brand new car (paying cash) and I would have given both my daughters a little cash ‘gift’. No more. Those days are now long gone. No extravagant vacations for us. No more newish cars. The one we are driving now will be driven in to the ground before it will be replaced. We’re done with flipping homes and buying vacation properties. Instead, DH and I jointly sat down at our kitchen table, discussed and planned how our money is going to last us for the next thirty or so years. What do we want, what do we want to accomplish, where do we want to go, how we are going to get there and how we are going to keep our costs low so that we can meet our expenditures till the end of our lives.

The last check we write will be to our undertaker (we want to be cremated) and hopefully, if all goes well, that check will bounce.

Live well and prosper, my friend. Live well and prosper.

Farm to Table Eating

One of the best things about living in The Hudson Valley is that we can get great food! Anything from local dairy, poultry, meats, fruits and vegetables to fresh-baked organic bread is nary a few miles away. Throw in some beer breweries and wineries and as far as I am concerned (food wise) this place is a foodies paradise!

As many local farms that are here, are just as many restaurants. You won’t find any fast food joints in The Hudson Valley. These people take their good food seriously! It also helps the area that The Culinary Institute of America (click here) sits proudly facing The Hudson River high atop a hill located in Hyde Park, NY (yes! Home to FDR!) Lots of top quality chefs roam the area always on the hunt for a new restaurant location.

FOOD IS BIG BUSINESS!

DH and I have our most fave eatery, Bread Alone.  Owner, Danielle Leader has been baking organic breads in wood-fired, brick ovens up in the Catskill Mountains since 1983 (click here). A chef by training, Dan learned to bake naturally fermented, artisan breads touring bakeries in Paris. Dan wanted to bring this pure, honest craft to his home and community. Leader has several locations throughout the area now and is adamantly committed to his craft AND all his loyal customers! DH and I have been buying our bread (as well as other meals) from Bread Alone since 1994. We always stopped in to the Woodstock location when we would go to our cabin up in the Catskill Mountains.

Nick and I probably now have a great meal (breakfast is amazing!) at least once a week. I wish we could go every day! Baguettes are still only $2.50. Menu choices (click here) are still reasonably priced (they cater to the college student’s wallet here). Any time we need a cure all or a quick pick-me-up, Bread Alone never fails to deliver.

Our recent lunch:

IMG_8543
best grilled cheese ever!
IMG_8546
Tuscan Bean soup with tons of veggies!

 

My Retirement Budget Revealed

Almost all of the financial guru/wizards who tout their budget prowess never post their actual budget numbers. Oh, they’ll say things like housing is 25% of their income but never mention the income number nor state whether their income is net or gross. These little points of revelations DO matter when it comes to discussing budgets. In other words, unless a person reveals their actual budget numbers, their actual income vs expenses, they’re mostly blowing smoke up your butt IMHO.

Also, realistically, most people wouldn’t know how to handle or write-up a budget if it was handed down to them on a silver platter. Most people don’t truly understand what constitutes income nor do they fully understand what an expense is. Case in point, if you give a friend of yours $500 and that friend gives you back $500 next week, that $500 is NOT considered income. Duh! It zeros out in to nothingness.

I’ve been a Budget Administrator for most of my life. I’ve been long-term employed by top legal partnerships (i.e. attorney law firms) and at minimum, had to oversee annual budgets worth at least $25 million (amount updated for 2018 value) in revenue. It was my job to oversee income vs. expenditures and make sure the corporate conglomerates were running profitably. In other words, I ran the complete office, which at times had over 44 employees. Oh, yeah, I also did payroll.

I listened to a lot of heart wrenching sob stories over my working years. I met lots of my fellow employees who really struggled with money issues. I’ve helped most of them by simply showing them a few tricks I’ve learned over the years to streamline their expenditures in order to meet their income. I was also a BIG proponent on saving money. Not so much in the stock market because I lived through two horrific Wall Street downfalls (1985 and 2001 and the housing crisis of 2008) and I saw too many people wiped out because of it. I’m a careful (probably too careful) saver and believe much too much in FDIC investments.

I also witnessed the rise and downfall of many, many top-earning attorneys who whittled away their money by either spending it foolishly on their stupid wives, spoiled kids or by trying to impress their fellow partners. I laughed when senior partners paid upwards of $175,000 for a new kitchen only to eat out most every day. Or buy a $45,000 dining room table and yes, they also ate out most every day. Stooopid!

I’ve also been born into a wealthy family that prized money and all its glories over the common man. I watched my ruthless mother, slowly die in bed with a rare cancer, while noting all her money in this world could not give her one more day of life on this earth.

People think if they could just earn MORE money their lives would be brighter, happier, joyful. I’ve been rich (millionairess) and I’ve been poor (not knowing where my next meal was coming from poor). I’ve discovered that there comes a point in a person’s life when ‘ENOUGH’ will do them just fine. Once you find your ‘enough’ point, the happiness and joy just flows.

I also learned over my lifetime that carrying debt, even a mortgage can lead a person down a treacherous, endless rabbit hole. I do believe that debt, however, if handled correctly and affordably can improve your life (such as a reasonable student loan NOT IVY LEAGUE, an affordable mortgage NOT A McMANSION, a low cost car loan NOT A BMW) As long as you know, that should you lose your job or suffer any kind of loss, if you have a good Plan A, B or C in place and can handle that debt, then do it!

So, my lifelong journey to date has shown me that earning a lot of money is futile, carrying large amounts of debt is ridiculous. I set up my life goals very early in my life. The Number One thing I wanted to accomplish was to quit working for the ‘man’ as soon and as early in my life as possible. I also learned that money is a tool. I don’t work for money. I have my money work for me. Since I come from a wealthy family, I still wanted to live a luxurious lifestyle BUT (and it’s a very big ‘but) I wanted to accomplish my luxurious lifestyle on as little money as possible. It became a very enjoyable ‘game’ for me to always find a different route through the very expensive maze of life, for less.

And that, my dears, is the whole premise of my entire lifebeing: Live the best that I can for a lot less money AND laugh all the way to the bank!

So, here is our retirement budget. Now that Nick and I are finally 100% fully retired and all our hanky panky is over and done with, we are very happy to finally settle down. We’ve narrowed our living location down to one home vs two. We still have our RV which can take us to any other place we’d like. Since we both have heart conditions (Nick is worse than mine) it was imperative for us to retire and claim our social security benefits and pension way ahead of schedule. We both claimed our SS at age 62 and Nick claimed his pension at 55 vs 65. Yes, this means we will be getting a lot less money over our retirement years than many financial advisors (and I) would recommend. At 65, Medicare automatically deducts Part B medical coverage right out of our Social Security checks, so I have taken into account that income reduction. I only work with reality here. It is what it is. In retirement, your numbers are your numbers.

Now, that our second vacation home is sold, our investment income has gone up substantially. We won’t, however, be using our interest income ($7,625 a year which comes out to $635.42 a month). That money will only be used as travel money, emergency money and hopefully, as it accumulates, newish car buying money. Right now, we are still using (and paying) for two paid-off, newish vehicles. If I see in our future, us coming into rocky financial weather, one of the vehicles will be sold.

Also, we are still carrying two credit card debts: Lowe’s & Apple Computer. These are at zero percent and due in full October 2018. I could easily pay these off, but why should we use our money, which is earning us more money? We needed new appliances. I needed a new computer. In the future, however, now that we are 100% retired, I won’t be taking out any more zero interest loans. They really are a pain in the butt and hinder our monthly budget. Strike a point for Dave Ramsey!

Lastly, our RV loan. I gave paying this off in full at this time ($14,000 current value) a no-go. Why? Two reasons. First off, the value of the loan @4% vs the value of the interest I am earning off that money now invested @3% means that I am only paying @1% on my RV loan. Over 12 years, the life of the loan, I am only paying $1,680 in interest on the RV. Second reason, being that the RV was technically worth $20,000 and I only paid $15,000 wholesale, I am way ahead of this curve. Right now, the RV loan is slightly upside down BUT that will even out in a few years…….just in time for me to sell it and pay off the balance of the loan, in full, off the proceeds of that sale. As I said, money works for me. Not the other way around.

Our total net monthly income is $2,662.30. Our total monthly expenditures are $2,624.79 which gives us a slight fudge of $38 a month. After October 2018 we’ll have an additional $321.50 in our monthly fudge coffers. We’ll probably just put those funds back in our liquid savings account or use it towards RV traveling instead of touching our interest. In our retirement, Nick and I are quite content to be living on $32,000 a year. This is without taking into account the additional interest income of $7,625 we earn.  And any financial advisor who tells you you must have at least $4,000,000.00 (four million dollars) in a savings account before you retire, should be your first indicator to keep on walking past their office.

And laugh all the way to the bank.

Live well and prosper, my friend. Live well and prosper.

our monthly budget

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