You won’t find any dumpster diving here. You won’t find anyone here sitting at a desk pulling their hair out trying to figure out how to pay their bills. You also won’t find a millionaire retiree here either. Nope. Just two people who carelessly planned for retirement yet carefully prepared just the same. Sound like an oxymoron? Isn’t that what retirement is all about?
You won’t find anyone here feeling sorry for themselves. Nope. You’ll just find two people who never make excuses and try to deal with the hand life has given them. We don’t mind living on less. Less than what? That’s the real question. Less than who? That’s the second real question. Retirement to me is all about financial independence. After all, we’re living longer and healthier and happier and hopefully (fingers crossed) wiser. Isn’t the enjoyment of life what retirement is about?
Don’t let anyone tell you it can’t be done. Don’t let anyone tell you it’ll be a life of near starvation and deprivation. No it won’t. The secret is to be debt free as near as you can. The secret is to be happy and cheerful about living on less (where have I heard that before?) The secret is to be happy buying white appliances which are hundreds of dollars less than those pesky stainless steel ones and still managing to cook up great, amazing meals. The secret is knowing the value of a dollar. The secret is knowing how to keep your pride and dignity in check while you get a $15 vs a $65 haircut. The secret is buying and keeping shiny a slightly used car that you paid cash for vs a new hot SUV that is strangling you monthly to death in payments.
DH told me today that he is done working. He’s tired. He had enough. That’s when you know retirement is imminent. That puts our monthly budget back down to $2400. Not a problem. This time, however it was different. Because while he worked this last bout of employment, I socked away the money rather than lifestyle spend it. I lowered our food bill down to $400. I also paid off a zero interest loan which frees up even more of our monthly cash. We’re set for the next upcoming year to accomplish all that we want to accomplish. Every first of the new year I withdraw $6,000 out of our savings and pay off our property taxes ($5,000) and allot the remaining ($1,000) towards wintering someplace warm. As I said, don’t let anyone tell you it’s not possible. It’s called RVing.
Here’s what a sample week of ours looks like:
Last but not least, is to never settle for second best. I paid good money (yes….they were on sale…..BUT) for these slippers from Land’s End. It’s only been 8 months that I’ve owned and worn them in my 1120 sq ft home and look at the condition of them! They have fallen apart, seams are ripped and torn. I took a photo of the front and bottom of them, sent them off to Customer Service at Land’s End, along with my receipt. Within two days, they’re sending me a new pair, along with their apologies.
This is retirement on $2400 a month! Don’t let anyone tell you otherwise!