In A Funk? Try A Little Frugal Retail Therapy.

I’ve been in a funk these past few days. The rainy weather doesn’t make my mood any bit better. Today, I told hubby we’re busting out of here and darn the money. I broke into my piggy bank (loose and found change) and resurrected over ten bucks.

What fun can you have with ten bucks?

Let me count the ways:

McDonalds
First stop: McDonald’s for breakfast. Senior coffee @59. McMuffins, buy 2, get 1 free @$1.50
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Off to Goodwill to search for ‘needed things’.
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Found hubby 2 almost new, brand name shirts @$2.39 each!!!
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I found a replacement, more appropriate piggy bank @.59 cents!
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Off to a local dairy farm that makes its own ice cream
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Hubs got an ice cream cone @$2. I got an ice cream sandwich for only one buck!!!
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Don’t believe me? Check out these prices.

Just proves, once again. You don’t need a lot of money to have fun, nor have yourself a very good day! Funk gone!

 

26 comments

  1. The urge to splurge with a week of rain seems to effect many people and driving to my son’s today there were so many people in La- La land. So, did you get out of your funk?
    Did you read the latest Kiplinger the article on bargains TDAmeritrade and E*Trade are offering double bonus to open new accounts! Hmm, talk to TDAmeritrade and is given right away and everything transfer in kind and has to stay with them for six months. Figures out to be 4.8% for the time frame. No risk!
    Oh by the way, Bank of America travel card as a Premier Honors client pays 2.65% points and can be applied to travel and camping fees and no limit on how much you charge. 123 pays on $2500 of charges each quarter. And as Premier Honors client it’s 5.25% gasoline rewards can be changed to groceries and other categories. Lara

    Liked by 1 person

    • Lara. Out of funk. The ice creme was the final cure all. Lol.
      I don’t buy stocks. Maybe bonds. I checked out Merrill and they barely paid 1% on CDs. No more charge cards! We have enough. That’s a lot of info.
      The rain makes me want to get in the car and drive but where to? Rain everywhere.

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      • 1% at Merrill? Huh!
        I just got 3 month brokerage CD at 2.35% 2 weeks ago and offered 2.4% for six months.

        Lara

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      • Merrill said it gets their CDs through Bank of America. I found their website extremely confusing. Made no sense. Why did you only get 3 months? Feds cutting rates now or next month and interest will go down. Why not lock in longer?

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      • Merrill has a fixed income department just like Fidelity where they have brokerage CDs. Use the contact us phone number at Merrill Edge website. I use the CD for money set aside for my home paint job that is scheduled for September. Lara

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    • Florence, I love, love, love the Big Breakfast at McDonald’s. Scrambled eggs, sausage, 3 pancakes, potato has brown, biscuit or english muffin! It’s a LOT of calories, but so worth it (as long as its one of a two meal day!) I usually have it 2 or 3 times a year. Otherwise, I love McMuffins. Delish! And their coffee is always hot and smooth!
      People underestimate McDonald’s. It’s the only place we will eat when on the road. Nothing bad can happen when munching down on McDonald’s. (so far!)

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  2. Good morning Cindi, l just read a guest article by Ms Fiology at Retirement Manifesto and recognize some key thoughts that may apply to your situation. Such as “wounds of the past” and “mindset of scarcity “ Versus a mindset of growth. I think being able to save in retirement is a mindset of growth (positive) as well as working part time if need be to provide more fun, as oppose to always searching for cuts to the budget and frugal ways. Last year was a year of growth for me financially trying a little more risk and yours seems to be one of going further into a mindset of scarcity being bitter about your daughters not recognizing it. I think they may think with a $500,000 paid off home you are not impoverished but not willing to get a HELOC to tap it to makes your life harder in these three years. It’s all about the rules we place on out lives influenced by the wounds of the past.You also placed yourself on a war path of savings that with Nick working four or five days a month can be achieved and you chose not to enjoy your Granddaughter Birthday with the family. Is this really what you want your family to remember. Just my humble opinion, Lara

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  3. I loved your $10 adventure. It got you out of the house and eating out is great, no matter where it is! You inspired my husband to go out and get an egg mcmuffin for lunch! (I stayed home and made an egg/tuna fish sandwich on Aldi 35 calorie bread).

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    • Sue, I use the same bread! Isn’t it good? I toast it and make ham & cheese sandwiches with honey mustard. Delish! Whenever we travel we always stop at a McDonald’s anywhere in the country. Always guaranteed a good meal with NO after effect (which is very important when you are on the open road!). We often get the Egg McMuffin’s no matter what time of day. Perfect sandwich for on the go! Love it.
      Thanks for your comment.

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  4. Wow! If borrowing is the sign of the devil what about all your borrowing for the RV and 0% loans? I was not advocating taking a HELOC for all your equity but only the maximum what you want Nick to make up in the next three years working . $11,000 Times three =$33,000 and he doesn’t have to work and only interest payment is required and the principal can be easily paid back after his SS starts or you sale of the house. He can be fully retired as he wants. The $33,000 is not even your homes appreciation of the last year! Yes you can eat a slice of your home!
    I think tapping it like a pay check of $750 a month would amount to only a very small amount of interest that would have to be paid..
    You sight extreme examples that are irrelevant to what you should or could do now to stop your anger and frustration that you probably take out on Nick. How much time have you wasted since the recital being angry at your daughters?
    I don’t feel you have totally escaped the rut or mentality of scarcity or especially the wounds of the past. Your brain keeps circling back to familiar paths. Anger and Hurt. Lara

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    • Lara, my husband has a health issue. Because of that, this is no time whatsoever for either one of us to borrow any money nor suck out any equity. We won’t have the means to pay it back. I do not, whatsoever, take out any anger on Nick. He should, however, be very thankful that I am still by his side. Many women would have split long ago. I read The Retirement Manifesto, as you suggested. Apparently Ms. Fiology and I have much in common and have come to the same conclusions: you must remember your past daily in order to meet your future constantly.
      I am a very angry person.
      This blog is entitled: Diary Of A Mad retiree, is it not? Keyword is ‘mad’. Not as in ‘insane’ but as in ‘angry’.
      The blog is all about things, though well planned, never quites work out.
      Happens to the best of us.
      More than anyone could imagine.
      I’m not borrowing any money. Ever. Hopefully. I’m trusting my RV loan is the end of it.
      I know you’re concerned about me.
      I’ll be fine.
      So will Nick.
      And so will my adult children.

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    • Lara, I don’t want you to think I don’t heed or hear your advice, because I do. I try to listen to everything people say. It’s very important. When Nick got home from work tonight, I asked him about your proposal. He said he would never want to borrow any money, especially if its tied to the house. He’s just wrapping up the job at the summer camp for now. He clocked in enough days that we can now take some time off and enjoy the beginning of the summer and go RVing. They want him back when camp is over in September. In other words, its all good for now. If we do need money he said we can always borrow, sell one of the cars or just sell the house (which we may never do, for now).
      Again, thank you for your expert advice. I really do appreciate your concern. I apologize if I was curt or blunt. We just have a bad taste in our mouth with banks etc.

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  5. I am not really a McDonald fan, except for a breakfast of sausage McGriddle and chocolate milk! Whenever we travel this is my breakfast of choice. Penny S.

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  6. Hi Cindi,

    You are so resourceful. As I’ve mentioned before, I’m learning a lot from you and your followers.

    Thank you for all of the great information!

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    • You’re welcome Lisa. Know where I got most of those coins I traded in? From the Aldi parking lot. Especially on rainy days or cold winter days….people just don’t bring back their carts for the quarter. I do it for them and save those quarters! They add up fast. We had an almost free day on those quarters. LOL! And yes, I pick up pennies because they offset the fee the coin machine charges. Everything has a purpose and a place.
      Thanks again for your comment!

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      • Dear Cindi, No Worries! I am concerned about you and I know how the emotions of anger and hurt can dominate your brains pathways – a very vicious cycle. Worrying! It is especially stressing on cardiac problems and contributing factor on gaining weight and not losing weight. And carbohydrates cravings!
        I struggle with both. I now refuse to get in a heated argument with anyone. I merely suggest an alternative solution and what has worked for me. Different strokes for different folks. I tell my kids sounds plausible, let me give it some thought and I will get back to you.
        I love gaining knowledge of monetary rewards from my own research and the Fire community which I could have joined 21 years ago. I wake up and tell myself today’s going to be filled with joy and happiness. And approach it feeling lucky and with gratitude.

        My DH and I used different types of mortgages fixed rate mortgage 8% and an ARM at 8% when fixed were 13% due to a transfer. A change to a HELOC when we had enough equity in our home saved us $300,000 in interest on a $95,000 mortgage, and became our primary loan and every extra dollar of principal we added was worth three dollars because it canceled interest. A 66% return!

        Two things I need to correct that you said is if Nick should die, your Social Security check becomes his full benefit not half. And if the bank requires a $100000 draw you should check if you can repay usually immediately almost all of it and have ten years to still draw or tap on the line only owing interest on the amount you really have borrowed. After ten years they set up a repayment plan. You do not have to wait ten years to close it. I will set up a HELOC before moving from my current home to get freedom to purchase my next Home with the only cost or fees being $300 in penalty and any interest for the months I have it and if I close it in three years. Banks only look at income when determining the amount of Mortgage you qualify for not assets. That is why seniors have such difficulty getting mortgages. In my state they loan 80% of equity on a HELOC. My Bank of America/ Merrill Premier Honors relationship gives .5 % decrease in Home Equity loan and another.25 % if I do automatic payment out of my checking. I will not take any mortgage on my next Home. I refuse to get a smaller condo and pay ridiculous inflated cost for one. A one level home that has a small flat lawn is more cost effective. I will pay for any services or maintenance I need not have condo fees that escalate. I am looking at a town that has an awesome senior center and senior transportation. There are So many great ways to get meals or groceries delivered and with Uber to transport you to appointments if need be. Besides I like varying ages in my neighborhood.
        We are so different. I have wounds from my past and went through all the same stock market plunges but I am willing to take more risks then you for the possibility of greater gains. So far it’s working well.
        Also I had and will always plan in my budget even taking out of savings for any family celebration and gifts and give cash to fund raisers my grandkids do . I tell my kids I would rather give experiences they can remember then worry about them inheriting anything. I give my kids and grandkids the most precious gift at our age, the gift of my time. It also makes me happier.
        But seriously they will probably inherit a mortgage free home to sale and I pay now for a better Medicare supplement health insurance so they will not have problems with medical bills.
        Sincerely, Lara

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      • Lara, I checked on the Social Security benefit if a spouse dies. The surviving spouse gets the whole thing. The longer the spouse waits to collect, the higher the benefit. That is why they always recommend the larger earning spouse wait as long as feasible. 65 will do Nick just fine.
        Personally, I’d love to go into an assisted living environment when I’m in my 80’s. Sometimes I like being with people my own age and always I like people preparing the meals, cleaning my room, doing all the repairs etc. etc and providing social engagements. I’d have a lot of fun in that type of place BUT not now. I love my block. We have new neighbors and they had a block party this past weekend, which I will post about tomorrow. It was very nice being with all ages, all groups, and all walks of life. Variety is the spice of life!
        Aldi is going to start delivering to my area. Lyft and Uber are here also, should we ever need their services. Most of my neighbors share the same landscaper. He already gave us a quote on both lawn care and snow removal.
        The trip to see my kids lately has been too much for Nick. The last straw was not finding a parking spot and paying $35 to garage our car. It’s a lot of driving and stress for Nick. Where my kids moved to is nearly impossible for me to get to by train. When they lived in midtown I just hopped on the Metro to Grand Central, with a senior discount, of course. It was very easy. Now? It’s nearly impossible for me to see them alone. My other daughter, despite my warnings, moved so far into the NYC boroughs, we have to pass through Manhattan and soon pay a congestion fee…….so not worth it anymore. Driving through Manhattan is a nightmare. Only other way would be to come around through New Jersey and that’s not going to happen (tolls, tolls, and more tolls). Ditto vice versa. Instead of my kids just hopping on the train, they now have to rent cars to come and see us. Ridiculous.
        I’ve gotten in to a lot of trouble over my lifetime with debt. At age 68, and now with a near normal lifestyle, I just can’t chance it anymore. I’m done. What will be, will be.
        Thanks again for all your advice. I’ll keep it under wraps and maybe revisit it.

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  7. OMG! Wow ! my comments look pretty crazy and foolish since you remove your response and a bit of a rant(IMHO) that contained:
    1. borrowing is the sign of the devil
    2 that you received only one half Nick’s SS and
    3 the extreme and irrelevant examples of your X and a friend.
    I think I am going to hesitate spending time writing comments now.

    It’s too bad, it’s harder for you to get to where your daughters’ now live. Lara

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    • Lara I was too mean in my comments. I over reacted. Has nothing to do with you. Your comments really are between you and I. We know what we are talking about.
      Yes it’s sad about my visiting my kids. Hopefully it’ll change. For the better.

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  8. Love how this almost became a game, getting the most bang for your buck while having a great day together. Our Goodwill never has treasures like those I see others finding. I think our community is so poor that things at Goodwill have truly seen better days, have been passed down for years before making their way to the thrift store. Your piggy bank is precious. Feed that piggy well.

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    • Leslie I do make it like a game. It’s fun. Back in Rhode Island hubby and I used to see what fun we could have on a Saturday with only twenty bucks. Interesting times. 👍

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  9. Your $10 challenge is right up my ally! I could spend more on a day out, but why, if the challenge is part of the fun? I was a comment lurker, reading the posts between Lara and yourself. Lot’s of things to think about for myself over the next decade. Perhaps with your kids, you could arrange long weekends, quarterly, and then not eve worry about the little day to day events that might not be doable. That’s what families that are really far apart (different parts of the country even less frequent) do and just lose the resentment. Sure, it would be great to see a recital or join for a birthday dinner but not if it just means stress and resentment. Having a full day or weekend of unscheduled quality time might be more meaningful and less stressful. Just an idea.

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    • Sam, you hit the nail on the head. My daughter, her husband and my granddaughter are all spending a week together with DH and I in Newport, RI. We plan on going to the beach, going out for clams, taking a cruise around the island and just hanging together enjoying the sand & surf and the great outdoors. They are staying in a hotel. We’re taking our RV, so we plan on a BBQ at the park together too. We’ll meet them there. Less stress and more fun.
      NYC has become a nightmare to navigate through. At our ages, best to stay home and avoid it like the plague.
      Thanks for your comment. We all came to the same conclusion!

      Like

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