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Old 05-02-2016, 12:30 PM   #2311
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I like that quote, Maggie. Not everyone has the determination to continue on alone. You are most certainly one who has worked hard at it and is very successful. You should be proud!
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Old 05-02-2016, 12:48 PM   #2312
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I don't know that I feel proud of it, Evelyn....nor whether it is killing me or making me stronger.

I just get up and go on, because that's what I do.


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Old 05-03-2016, 06:25 AM   #2313
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Had a puttering day around the little house yesterday....a little laundry, putting away my purchases from the Amish grocery, starting a loaf of bread to bake later today.

I made a loaf of Cranberry Orange Bread with walnuts last week, and have been enjoying that toasted for breakfast. Yum .

I use a lot of dried cranberries in the course of a year...mueslix, scones, bread, cookies, etc...good and good for you. Picked up some more Saturday, also some dried blueberries. My baking cabinet is full to bursting.

Taking my 2005 Matrix in for servicing this morning...that little car has served us very well, tho time soon for something larger as the grands are getting so big.. I had a RAV4 before this...going to move back that direction, methinks.

Not much going on here, the rest of my lily of the valley should be here today, I will get them in the ground and that bed will be done.

My molds arrived, so tabby pavers will be coming soon.


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Old 05-03-2016, 07:43 AM   #2314
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"The highest, most decisive experience is to be alone with ones own self. You must be alone to find out what supports you, when you find that you can not support yourself. Only this experience can give you an indestructible foundation."-C.G. Jung
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Old 05-03-2016, 07:46 AM   #2315
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"Now is no time to think of what you do not have. Think of what you can do with what there is.
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Old 05-03-2016, 10:11 AM   #2316
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When my daughter and her hubby are out here in June, they are buying my Matrix and driving it home to Brroklyn.

Twil be his work car, his little MG just starting to take way too much out of their pocket in repairs, so he sold it earlier this year.

I'm seriously considering waiting until next year...perhaps later...to replace it, as the Interstate can be a daily driver for me in all but the off season, most of which time I am gone, anyway.

And, it of course will accommodate the near-grown grands.

I will hold out for an interest free financing, but why make a payment on a vehicle at all, to sit in my garage 6+ months out of the year.

I can save that money to put a larger deposit on a new vehicle.

Figured I could rent something for November and December, by the time I am home in the spring the interstate is allowed to live in my driveway.

Hmmm? Any thoughts to share on this out there?

Maggie
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Old 05-03-2016, 12:40 PM   #2317
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The staff of life.....
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Old 05-03-2016, 01:19 PM   #2318
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Quote:
Originally Posted by Lily&Me View Post
When my daughter and her hubby are out here in June, they are buying my Matrix and driving it home to Brroklyn.

Twil be his work car, his little MG just starting to take way too much out of their pocket in repairs, so he sold it earlier this year.

I'm seriously considering waiting until next year...perhaps later...to replace it, as the Interstate can be a daily driver for me in all but the off season, most of which time I am gone, anyway.

And, it of course will accommodate the near-grown grands.

I will hold out for an interest free financing, but why make a payment on a vehicle at all, to sit in my garage 6+ months out of the year.

I can save that money to put a larger deposit on a new vehicle.

Figured I could rent something for November and December, by the time I am home in the spring the interstate is allowed to live in my driveway.

Hmmm? Any thoughts to share on this out there?

Maggie
Interesting thoughts. You might consider a Certified Used Rav 4 as you mentioned you had one before. The Toyota Certification program is pretty good as they go. Usually is a pretty new car, gone over fully, new tires and anything else that needs replacing and the new warranty is 100,000 miles on most of the expensive stuff. I don't care for leasing. In my work life we pushed leasing to golf courses for golf carts and utility vehicle and it worked for them, "pay for only the part you use" then just turn it in. We made money on the leases, we sold them to a finance company and picked up 4 basis points (2%) on the cost of the lease. I am pretty confident car dealerships do the same as they sell the lease, usually to their parent company leasing arm and pick up some points on the front end. So, it's true one is paying for the part of the vehicle they use, but also for the privilege of spreading it out over a period of time. Buying outright or financing with THEIR money ie 0% is the best and cheapest way to go. It's real easy to calculate the cost of the 0% loan - $16.67 per thousand dollars per month. Of course in addition to the car there is tax etc. Our daughter bought one that way and it's worked for her. Plus with new one usually gets the full warranty for at least 36 months, but only using the car for six months your warranty is actually only 18 months.

It's about all I have, we don't carry debt in retirement, we save and buy what we want and if we can't save enough we do without.

The end of the year is a great time to buy, depends on the Presidential election a bit this year, but there will be incentives, cash back, zero % or a combination of stuff as they don't want to pay the taxes on the inventory at year end.

Bud
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Old 05-03-2016, 01:30 PM   #2319
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I wouldn't "lease", but "rent", as from Enterprise.....from whenever the Interstate went into storage in November until I headed out in it in early January.

It would be money into a black hole, of a sort, but would be greatly offset by no monthly payment nor vehicle insurance. It would also prevent a vehicle from sitting in my garage, depreciating tho unused much of the year.

Have been making payments on the Interstate these past 9 years, and double payments most of that time, so a payment is manageable....I just am thinking I can do without it for at least a couple of years, save the money.

I have some time to think about it...but am thinking about it.


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Old 05-03-2016, 03:54 PM   #2320
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Maggie;

Raining here, trying to stay out of Alice's way, finished with two dogs rehabilitation SO, for giggles I called Enterprise.

If I were to rent a Rav 4 in Pittsburgh for a month it would be $1,099.99 + tax, which for us is $13.99, but I don't think they are right on that part. Unlimited miles, etc, same as renting a car. Not bad really. A $30,000 RAV 4, amortized over 54 months at 0% interest would be $555.56 per month, plus all your expenses, insurance, maintenance.

So, not a bad idea at all if only needed for two months. The agent told me if returned early the rate defaults to daily or weekly rates which ever is less.

Number is 800-209-3602. OR https://legacy.enterprise.com/car_re...ebTransaction3

Needless to say I love doing this sort of stuff.

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Old 05-03-2016, 04:11 PM   #2321
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Hi Maggie.

That is "food for thought". You make a very good point, probably the one thing I'd be concerned about would be putting "daily driver" type miles on the Interstate. Five years ago when we bought our new tow vehicle, a heavy duty 3/4 ton 4x4, I was concerned about those daily driver miles going onto it, so I suggested my DH start using our car as his commute vehicle instead. The car gets 25mpg (Buick LeSabre) vs the 12 mpg our truck gets, plus the car was then 7 yrs. old vs the then new truck.

I've been doing some of that thinking in the past months, we're preparing for retirement (hopefully within the next 3 or so yrs.). I think it is time to tighten the belt, so to speak, and get rid of some things which we've been lax in clearing up. Some of the things I've been considering: getting rid of the land line (flip side is that we've had it for 34 yrs., and I suppose it's a sentimental attachment we have for keeping it); cutting back on our Satellite tv package, including the number of receivers (Why would 2 people need 3 in-home receivers? My Dad lived with us for 8 yrs., so one was his, but he moved into Assisted Living some time ago, so why continue paying for it?); Sirius radio and OnStar services for our truck -- do we really need those? Nice to have, but really necessary?

This past winter I also started monitoring our thermostat more closely -- two things I did were: 1) Turned it back to 70 degrees at bedtime from 72 or 73 during the evening. 2) In the morning if it was really cold outside, I'd turn it up a degree, otherwise I'd leave it at 70, but right before my DH came home from work, I'd turn it up to 72 or 73 for the evening as he felt chilly with it at 70 degrees during the waking hours. This small change really made a nice change in our heating costs for this winter.

I didn't really intend to go on like that, but I was hoping that you might share some of your thoughts on how you and/or others transition into retirement mode and find savings along the way.

Deb
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Old 05-03-2016, 04:44 PM   #2322
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Bud, I wouldn't pay that much a month, and always rent small, economy cars.

I use my AAA discount, when possible, which is usually the best rate, and weekly is better than daily, usually.

I haven't really looked into renting, just thinking about it, but have already decided I will go at least til late fall without a vehicle but for the Interstate.

Why not.


Hi Deb!

I don't drive that much in town to worry about adding those miles to the Interstate. 2-3 trips away from the house a week usually does it for me, and just a couple of miles each way to anyplace I need to go.

The 05 Matrix was my work car, we sold Doug's old Honda Civic when we came back from our first trip....why did we need two cars any more, and his had become a money pit.

I think eliminating what is unnecessary in your budget is a good start toward reducing costs pre retirement. You can then figure out just exactly how much you need to live on.

I still have the land line that went into this house over 30 years ago, with the same phone number. I have no frills on it, just the basic phone, and it doesn't cost much. I don't imagine giving it up any time soon. I still get occasional calls from kids, parents, foster parents, etc., who have had that number for years, and it is also the number I usually provide when required to give a telephone number.

We went into retirement debt free, but for the Interstate, and remain that way to this day. The Interstate will be paid off this year...6 years early, due to double payments for years. I am proud of that.

We saved hard for retirement for 10+ years, living essentially on one of our incomes and saving the equivalent of the other.

I think most people need to go into retirement without outstanding debts....pay off your house, cars, etc., if at all possible, so that you can live reasonably comfortably within that reduced income.

Everyone, of course, can't do that, but folks here want to travel, so getting rid of debt is a good idea....unless you are filthy rich, when it really doesn't matter...but most of us are not.

We did find that traveling in retirement cost less than we had expected, and there are lots of ways posted all over these Flrums to help keep costs down while still enjoying yourself.

Go for it, I say!

Maggie
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Old 05-03-2016, 04:49 PM   #2323
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Hi Maggie... Have you tried TJ's dried orange flavored cranberries??? great!! and I use TJ's wild mountain dried blueberries.. also great... always in my oatmeal...
I agree with the no new car thing.. the interstate is fine for most all things... and you can rent a car if needed... like you said, you're not home a lot...so the car sits...
Retired: I have only the cell phone, a spot wifi thru ATT for the laptop and it goes traveling, so that's good since RV parks usually have terrible reception.. the basic for cable tv... I live in Oregon, so heating/ac isn't much of an issue.. ok, just sharing...hugs and love around... gail
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Old 05-03-2016, 05:03 PM   #2324
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Hi Gail!

I am a big fan of TJ's orange flavored cranberries, and use them in my bread all the time.

I wouldn't want to drive the Interstate even around town in snow and ice...also, city ordinances prohibit it being parked in the driveway off season...so will need to do something, but I think that something can be other than getting another vehicle full time while I am still able to travel.

We'll see.


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