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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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Old 05-03-2016, 05:25 PM   #2325
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Maggie sounds like you have a good plan so far.

As mentioned in Evelyn's thread if it were your daily driver they (City) may not be allowed to prohibit it from your driveway.

Thoughts for future.
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Old 05-03-2016, 05:28 PM   #2326
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I read that, and may look into it.....but there still is the issue of Midwest winters, snow and ice, and not wanting to drive the Interstate around in that.

I'll figure it out.


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Old 05-03-2016, 07:19 PM   #2327
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If it's only 2-3 trips a week and under 3 miles as you say then why not use a taxi? Or use the Interstate if the weather is agreeable and take a cab when it is not. Declare the Interstate as your main ride and keep it at home. Saves on storage as well.
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Old 05-03-2016, 08:05 PM   #2328
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Hadn't thought about a taxi.....hmmm.

Tho this is not the big city, taxis are not everywhere nor A+ accommodations.

I'll look at my options and see what's out there.


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Old 05-04-2016, 07:05 AM   #2329
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Looks like my AAA rate will get me an economy car from Hertz for $500-$600/ month.

I can squeeze the kids into something small for a while longer, for the occasions I drive them, and when I can't....I'll rent something bigger.

That is a very appealing option for those couple of winter months I am at home each year.

I could save even more if I did without a car altogether, using a cab when I couldn't drive the Interstate....but, it's a quality of life issue, I've decided...while not a wealthy widow, neither am I destitute.

I want to have a car here to go and do whatever, see whomever and wherever, for emergencies, also would not want to pile the grands into a taxi...it's just unnecessary.

I will try it, and see how it goes.

There may come a time when I can't drive...but I ain't there yet. I can always use the city bus or Senior Citizen transport that runs, too, when that time comes. Yikes.

Back to home chores today....still a few things needing done inside, and then there's the "far back" yard needing a full morning of toiling.


Maggie
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Old 05-04-2016, 07:29 AM   #2330
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One of the ladies at my needlework group last week had a carry bag she had made out of yarn scraps, and I liked it so much I made this one for myself.

A "project bag", I'm calling it...out of one of my most favorite yarns.

I think I was an Aran fisherman in another life, as I so love this yarn.

It must take my soul back to something.


Maggie
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Old 05-04-2016, 08:44 AM   #2331
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Originally Posted by Lily&Me View Post
One of the ladies at my needlework group last week had a carry bag she had made out of yarn scraps, and I liked it so much I made this one for myself.

A "project bag", I'm calling it...out of one of my most favorite yarns.

I think I was an Aran fisherman in another life, as I so love this yarn.

It must take my soul back to something.


Maggie
Did you have a pattern for that bag Maggie? Look like a handy bag to stuff projects in a take with me. I crochet but not nearly as often as you and it would take me a while to figure that out without a pattern.

Btw, I did without a car once by choice for about 9 months and found that between my bike and the bus I could do most things I wanted. Evening meetings were the only problem. For those I would have to catch a ride home. Now we have bike racks on our local buses and it's even easier to get around. Of course riding a bike during the Summer was pretty unworkable unless you plan to get soaking wet anyway!


Thanks,
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Old 05-04-2016, 08:49 AM   #2332
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Uber?
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Old 05-04-2016, 09:24 AM   #2333
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Did you have a pattern for that bag Maggie? Look like a handy bag to stuff projects in a take with me. I crochet but not nearly as often as you and it would take me a while to figure that out without a pattern.

Btw, I did without a car once by choice for about 9 months and found that between my bike and the bus I could do most things I wanted. Evening meetings were the only problem. For those I would have to catch a ride home. Now we have bike racks on our local buses and it's even easier to get around. Of course riding a bike during the Summer was pretty unworkable unless you plan to get soaking wet anyway!


Thanks,
Carol
I don't have an exact pattern, Carol, kind of adapted from this one that I have used and is very easy..

http://www.petalstopicots.com/2012/0...skets-pattern/

I bought two skeins of yarn, used two strands throughout, and it took almost all of them. I used a J hook, which worked well for me, with how tight I do..or don't..crochet. You may want a hook a size up or down.

Start as for the largest basket, keep increasing each row incrementally as per instructions until you have 90 stitches around.

Then you begin working up. *Chain 1, single crochet in same space and in each stitch around.* 90 stitches per row.

Slip stitch in first stitch of last row to end each row, repeat * to * til bag is as big as you want. It will look very floppy for awhile, but pulls together to a bag shape as you add more rows.

When bag is as deep as you want: crochet 15 sc into next row, then chain 15/skip 15 stitches, sc into next 30 stitches, chain 15/skip 15 stitches, sc into next 15 stitches. Handles.

This should bring you to the end of your row. Do 5 more rows, crocheting the first row around your 15 chains on each side, to start the handles, then into those stitches for succeeding rows.

Slip stitch into first stitch of last row, and tie off. Voila!


My kids and I were car-less for a year once, and that was very hard, but I can do this by choice for awhile with the Interstate to provide cover for basic transportation needs

No uber here, avionstream.


Maggie
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Old 05-04-2016, 04:19 PM   #2334
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Maggie, I hope that whatever you choose regarding your transportation needs works out well for you. You are fortunate that the regs in your area allow you to keep your Interstate in driveway for most of the year.

That little "project bag" is really cute! Looks to be very well made. You are so crafty!
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Old 05-04-2016, 05:10 PM   #2335
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I am very specifically crafty, rather than generally so, Evelyn, but I do seem to have gotten simple crochet down. Don't give me anything too complicated, and I can do it.

I am definitely going to wait at least a year to replace my car. I see no reason why not.

I can always change my mind if it isn't working.


I try to watch Dr. oz when I can....he's gotten a bit too theatrical to suit me , but still imparts a lot of good information. When I don't like his topics, I turn him off.

Today his topic was the afterlife...with guests being those who have experienced it in near death experiences, in addition to two respected mediums.

Always interesting, and I am a believer.

Doug's daughter was relating some recent experiences to me this past weekend, which I believe were her Dad reaching out to her...she wants to believe that, too.

I tell the kids and the grands that he would never have just gone off and left us....some believe, some don't, but it is definitely comforting to those of us that do, to believe he is there.


Maggie
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Old 05-04-2016, 11:27 PM   #2336
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In the believing, there is much comfort for the heart and the soul. There is more to the life cycle than we can ever begin to understand. I do believe in visits to loved ones as well as near death experiences. I also believe that angels are around us when we most need them. Our lives are rich with miracles....but, only if we are open to the belief in them.
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Old 05-05-2016, 11:16 AM   #2337
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Love that bag!!!!
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Old 05-05-2016, 11:35 AM   #2338
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Thanks, Vince....it did come out quite well, I must say , and I'm going to impress my needlework group with it here shortly.


Something about Spring requires of me that I move things to clean, go thru closets, cupboards, nooks and crannies...vacuum, sort, dispose of, send to Goodwill, etc.

I started on "the girls" room yesterday, and finished this morning with the closet....within which I found a bag I must have had my hands on at some point since Doug died, but apparently had not gone thru.

Doug, the keeper of his people and his things , saved everything, and just when I think I have everything...I don't.

In this bag were cards from me, his kids and mine over the years, grands, his Mother, letters from his kids, and more photos...all going back 25 years or so.

On top, three cards I had marked "2014"...our last to each other on Valentine's Day, and mine to him on his 65th birthday just a few weeks before he died.

I would have brought them in from the Interstate when I cleaned it out, and somehow they landed in this bag, in that closet, rather than the back room that was his man-cave and was gone thru to give to his kids. Who knows.

I have sorted them, now...into piles of mine, his kids, my kids, and the grands. Will give them to each respectively, to do with what they wish.

Sigh.


Off to needlework group in a bit.

Maggie
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Old 05-06-2016, 11:55 AM   #2339
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The ladies loved my bag.

A couple of newbies, since the move to the new location and some publishing of that. It really is a nice facility, I must say, with a separate room for those taking meals there, a new popcorn machine, a coffee gathering area, an indoor track, weight room, computer room, etc.

Luxury accommodations compared to the rental we came from, and staff are going out of their way to encourage membership and participation.


Little house is scrubbed, tile has been steamed til it squeaks, and rugs washed.

It's spring, it's what I do.

Lots still on my to do list, but not much more for today....but for ""Grandparents Day" at the grade school my sons youngest two attend.

I will put on something nice after awhile, pretty myself up, go and sit in their respective classrooms and be fussed over a bit. Cute.

The sun is shining, it is warming up, and all is okay in my little corner of the world.


Maggie
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Old 05-06-2016, 11:37 PM   #2340
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Maggie, happy Mother's Day. I hope it will be happy and relaxing for you. Evelyn.
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