Well, it’s one thing to think about it — another to plan it out — but it’s really amazingly fun to actually do it.

So far there are no regrets, and we are hoping that all works out well with this new adventure.   It has technically begun with the purchase of the RV/Motor Home that we will be traveling in — and here he/she (yet to be determined) is!

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The plan was always to get one of these amazingly built motor homes that use a Diesel Cummins engine and which can pull with ease and travel a million miles or more!

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AND…. yes, that is RED – and we understand the first owner had it painted that color on purpose and we LOVE it.   It’s a home that sleeps 8, and has a 12 foot garage on the back with wonderfully made and built in tool boxes.  The interior isn’t as colorful – but over time that could change (smile) as we laugh, and sing, cook and enjoy our adventure.

One thing I can be certain of — you will see us coming and recognize us wherever we go!

 

This is more scary post to write than an annoying one.

Everyone ages and we all have to face the retirement or not portion of our lives.  Some of us have saved – some of us have yet to start – but I’ll bet most of us are somewhere in between.

In my case, I have an IRA in which I have saved for retirement, and I will be old enough to qualify for social security in just a few years ( and …if it’s still available).

The scary part is that my husband and I have always worked and provided for ourselves – we worked for a company that we started over 30 years ago.  I still do.  This company provided everything we needed to live and raise our family.   And in the good years provided for quite a few others as well.  It will feel both strange and unusual to have money coming in to our bank account, or out of our IRA’s without working  — because taking it out, using it up – even though that was the intention when we saved it – seems contrary to everything we did up till now to prepare for this phase of our lives.

One thing I am not consciously worried about is making it on that amount of money.  Besides always trying to live “under” our means, and saving, we have for the last five to seven years cut back on everything.

But the reality is, that in the next year or so, we are going to officially, fully and completely retire from life as we have known it for so many wonderful years.

What are we going to do with ourselves?  Glad you asked.  We are right now looking into obtaining a Motor Home” to facilitate our desire to see the United States from end to end.  A bucket list item that was impossible to fulfill when you own your own business and it’s the only source of your income.

We will buy a used  motor home specifically designed to fit our needs.  We need to have a “garage” so that we can fit the gear (4 wheelers, etc.) that we want to take with us, as well as our sons family.  We will travel the US, stopping and staying for a periods of time and then moving on.  With no clock to punch, no deals to make and no familiar annoyances – I think we might even enjoy this thing called retirement while we are all still “young” enough to do it!

And maybe… I’ll blog about all the annoying things I find along the way!

 

 

I am getting older — oh… wait, we all are getting older. See already I might be confused. I know I didn’t think for one minute that I was the only one getting older, or being confused. Right?

With all the gadgets hitting the market today – is it any wonder that for someone my age it’s not intuitive anymore. I used to think that I could figure things out. Figure anything out. That there was always a simple way to accomplish just about anything, by usually just proceeding one step at a time – in the right direction.

However, I just don’t get it anymore. Do you reach an age where this happens to everyone, or is that the “brain power” needed just doesn’t want to cooperate to figure it out anymore.

In the last few years there have been lots of changes – not only in cell phones but in everything. Now things that are just a year old in some cases are already becoming obsolete. Hey I remember when fax machines were a novelty and we all thought that might eliminate the need for mailing any paperwork again…ever. It was just the 1980’s when microcomputers were just getting into the hands of “regular” people…. and it wasn’t that long ago that almost everything started to become “wireless”.

But for me life isn’t becoming easier or less confusing. Part of that is because I didn’t run to get each new gadget as it appeared on the scene, and I am still not sure of some of the technology. It may save time, but at what risk to you or others.

I am thinking about a woman found dead in her garage some six years after she had passed away. All the money she had was “used” up by the companies who had access to her bank account for payment of her bills. So month after month while she decomposed in the garage, her bank account was paying for things she didn’t need, or want, or could even use. No one came to look for her, no one seemed to care if she lived or died – and it wasn’t till everything she had was used up that they finally checked on that house (after foreclosing on it) and found her dead. I think the whole scenerio was caused by this new technology craze. If she didn’t have “automatic” bill pay – they would have found her so much sooner and her heirs would have had some inheritance, and closure. So while this one “technology” inspired “service” takes some pressure off us humans, it can also leave us dead in our garage while it cleans out our bank account.

And that’s just the beginning of the confusing part for me. If you think about some of the other “advances” in the way things are done, you can see that it’s not all it’s cracked up to be. The pressure however is on. The credit card companies want you to have automatic bill pay… so you won’t forget and they won’t have to charge you $39 for being late, and 29.9% interest. But what most people don’t realize is that they can “manipulate” their side of the system, so they make you late, and cause you that problem a few times…. and then make you feel pressured into signing up.

In my case it has happened at least twice. AND their “standard” answer is, “sign up for auto pay”…. and mine, “NO way”. I am signed up for reminders and I don’t get them. I go online and set up a payment and it never happens… it just never happens that the payment actually gets made. Their answer: “Oh there was a computer issue that day”…. or “Oh your session might have timed out before our system took the information”, or “Oh there was a solar flare that day…” etc. I cannot believe for one moment it’s only my account that is subjected to such manipulation.

I remember having an AMEX card and cancelling it after my payment (back in those days it was a check you mailed in) .. took more than 20 days each month to get to them. NO … I never thought it really took that long, I think they just didn’t process the payment, or mark it PAID till it was late. Why? To get the late charges and interest, which many customers still today do not question or request they remove.

After it happened twice, I cancelled the card.

If you know me, and maybe you don’t – I pay on time, in full and I don’t play games. That might be the reason I was and am a target for the credit card companies to hassle. I don’t ever pay to have a card, and I don’t pay interest ever and sometimes I even get benefits.

They don’t want a customer like me — and that confuses me.

 

It’s been awhile since I participated in a giveaway event. I thought about it a lot (as I too love giveaways) but I prefer the ones that give away a cool prize with a real chance to win. I think this one hits it right for me. So what are you waiting for? Enter today to win!! Welcome to the “Kindle Fire HDX Giveaway Event” [… read more]

 

I know that most of you are looking for something annoying to read – sorry not today.  Instead,  I wanted to share my Harris Teeter Super Doubles Shopping trip because it shows that anyone really can do it. First, if you want to just go to the store with all your coupons and walk around checking prices and matching – that’s certainly up to you, [… read more]

 

Last year when I wrote about our Health Care issues,  I was seriously wondering what we (my husband and I) would do.  I had no idea that there was a way we could and would be able to pay for the health care under the new and revised plans available through the government marketplace.  Our  company premiums were prohibitive since the change and the coverages [… read more]

 

It always seems like when we need a Humidifier…we cannot find ours.  We know we have one, but exactly where we put it?  So the last time I really actually saw mine — it was at my son’s house, and they were using it, so now I am thinking we likely aren’t going to get that one back.  So I need a new one, and [… read more]

 

For the last few months, I had stopped shopping at Harris Teeter. I usually want to find a bargain and stretch our dollars as far as they will go…. and the deals – for me – were elsewhere. I always like to use up my pantry items too… so it was a slow shopping period overall. Harris Teeter this week has what they call Super [… read more]

 

Who isn’t thrilled that it’s almost Valentines Day? Only those without a special someone in their lives! So by way of celebration……. Welcome to the Cupid’s Arrow Target Gift Card Giveaway sponsored by Dictated and Segment and hosted by The Parenting Patch! February 14 is approaching fast. Valentine’s Day will be here and gone before you know. In celebration of the holiday love, how would you like [… read more]

 

If  just reading the title of this article makes you on edge,  and has you thinking about whether you could be, read on! I can tell you, although some like to sugar coat being a cheapskate, there are others that defy human understanding when it comes to the term.  I recently watched the “Extreme Cheapstakes” program on TV and had to turn it off because [… read more]

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