I, too, live with the challenge of work less for more free time to learn, to write, to read (more learning and laughing), less stress worrying about things like paying my phone bill, my car insurance, and property taxes, and just being happy in my freedom to choose.
I, finally, have 'the' seasonal job in an excellent climate (for me) that I work fulltime for seven months of the year then escape the winter cold. I pay my reoccuring bills annually -- while I'm working. Voila!
You’re the only one who can answer this, and you can do it by considering several factors like your age, health and finances. If you will most likely require long term care at some point of your life, then it is best to buy long term care insurance.
Opting not to get coverage is too risky today given the fact that the cost of long term care continues to increase. Government programs are not reliable too since Medicare doesn’t cover long term care services and Medicaid on the other hand only provides coverage to eldlery with low-income.
Just look at the numbers today and you’ll realize that it is more cost-effective to buy a policy than to use your savings, Social Security and other retirement income. Long term care insurance can give you the security you need, peace of mind and can protection.
One more thing, it’s best to purchase one while you’re still younger so as to save on premiums and to have a product that can help you avoid financial woes later on.
Staying close to nature and spending some quality 'me-time' is what makes me happy. I make sure I get to do that daily by outsourcing the excess tasks to my VA at Habiliss.
Because it is when you start neglecting yourself that the real misery begins. Life is more enjoyable when you are happy.
I am 32 right now and have saved $30,000 so far in my 401K. My goal is to have saved one year's worth of my annual base salary ($67k) by the time I'm 35. I am a late bloomer as I started earning a serious income at the age of 29. So I am making up for the lost years by saving as much as possible.
I'm slowly saving for my first DSLR camera. And vacation! It's hard to do when I'm building a tiny house but I'll get there. Little daily sacrifices can really add up!
My savings goals are to continue on the path I have taken for many decades which is steady savings on a regular basis. Allotments go directly to investments so I never even miss the money. I will move money around to get higher returns but not very often. My rule is to not touch the money if at all possible but to leave money in accounts to accrue profits over the long term.
That is crazy and amazing! I'm from Canada, but have been living and traveling in Latin America for the past 2 years. A month ago or so, I had chapped lips (how? I'm not too sure) and my boyfriend (who had a cold sore at the time) and I shared a lip balm (too stupid, I know) and what happened?! The first and MOST HORRIFIC thing ever took center stage on my bottom lip. I actually broke layers of skin, became a massive bubble of puss and bled non-stop for almost 2 weeks. Each time I ate or smiled, it cracked a re-opened, just to heal slower. Only 2 weeks after it entirely healed..what do you know? The red marks started to appear in the exact same place. I couldn't even contain how upset to go through 2 more weeks of hiding after it just healed.
Best thing: I ran to the local pharmacy and got a tube of Aciclover cream and put it on my lips 4 times a day. It's been 4 days now and the red patch is almost gone - not even giving it the chance to fully form! It's a complete life-saver.
Also, I've absolutely horrified that you stated a tube will cost you $60. I'm currently in Mexico and a tube at the Pharmacy will cost you $1.50 or less. And you don't need a prescription at all. Seriously consider stocking up if you ever head South!
With the exchange rate as it is, Canada really is a bargain. I'm going to spend this year's vacation in Saint-Hyacinthe, Quebec. Visiting Quebec is like visiting France, but without an expensive air ticket to Paris, and I get to speak French for a week, too. I can easily drive there in one day if I leave home at 7 AM, and it is a pleasant drive through New York State up I-87. Forget Brexit. Visit Canada instead.
We are saving for financial independence and to retire early. My partner and I max out our ROTH IRAs and 401Ks and we save about 20% in an investment portfolio. We live lean, but it will pay off!
I'm still saving for improvements to my house - first the upstairs bathroom, then the kitchen, then the yard, then the downstairs bathroom. It never ends.
My current savings goals are to save every penny possible (always pack a lunch, walk instead of taking the bus when I can) so that I can continue my education while I change careers at middle age. It's not easy, but it's working!
Just imagine all the money you'll save if you don't color your hair! If you were really trying to save money and be frugal, coloring your hair would be the last thing to be spending money on ~
I have 3 savings goals right now: save for a cruise for my 50th birthday for my niece and I, max out my Roth IRA each year, and continue building my emergency fund. I'm on track for the Roth IRA this year and I should reach my emergency fund goal next summer. I have 2 years to reach my goal for the cruise and started that fund last month. To get there, I reworked my budget to cut back on some categories (groceries & race entries), gave up a couple of monthly memberships, and reduced my Verizon bill.
Saving a s much as possible for retirement and keep building the emergency fund.
I thoroughly enjoyed this post!
I, too, live with the challenge of work less for more free time to learn, to write, to read (more learning and laughing), less stress worrying about things like paying my phone bill, my car insurance, and property taxes, and just being happy in my freedom to choose.
I, finally, have 'the' seasonal job in an excellent climate (for me) that I work fulltime for seven months of the year then escape the winter cold. I pay my reoccuring bills annually -- while I'm working. Voila!
Right now, we're saving for retirement. And maybe some really nice vacations.
You’re the only one who can answer this, and you can do it by considering several factors like your age, health and finances. If you will most likely require long term care at some point of your life, then it is best to buy long term care insurance.
Opting not to get coverage is too risky today given the fact that the cost of long term care continues to increase. Government programs are not reliable too since Medicare doesn’t cover long term care services and Medicaid on the other hand only provides coverage to eldlery with low-income.
Just look at the numbers today and you’ll realize that it is more cost-effective to buy a policy than to use your savings, Social Security and other retirement income. Long term care insurance can give you the security you need, peace of mind and can protection.
One more thing, it’s best to purchase one while you’re still younger so as to save on premiums and to have a product that can help you avoid financial woes later on.
Staying close to nature and spending some quality 'me-time' is what makes me happy. I make sure I get to do that daily by outsourcing the excess tasks to my VA at Habiliss.
Because it is when you start neglecting yourself that the real misery begins. Life is more enjoyable when you are happy.
I am 32 right now and have saved $30,000 so far in my 401K. My goal is to have saved one year's worth of my annual base salary ($67k) by the time I'm 35. I am a late bloomer as I started earning a serious income at the age of 29. So I am making up for the lost years by saving as much as possible.
My goal is to have some savings. I put away my change. After I reach a certain amount I will open up an account.
I am currently saving for a new car.
I'm slowly saving for my first DSLR camera. And vacation! It's hard to do when I'm building a tiny house but I'll get there. Little daily sacrifices can really add up!
Any advice on how to control the morning high sugars. I do all right all day but morning sugar is still over 150 always.
We have had to start using retirement funds a few years earlier than planned so now saving money anyway we can is a priority.
What about the cost/quality of medical care in these places???
Maxing out my retirement savings
My current savings goal is to pay of my student loans - trying to save as much as possible for this and should have it paid off in a year.
My savings goals are to continue on the path I have taken for many decades which is steady savings on a regular basis. Allotments go directly to investments so I never even miss the money. I will move money around to get higher returns but not very often. My rule is to not touch the money if at all possible but to leave money in accounts to accrue profits over the long term.
Retirement and our grandchildren's educations.
That is crazy and amazing! I'm from Canada, but have been living and traveling in Latin America for the past 2 years. A month ago or so, I had chapped lips (how? I'm not too sure) and my boyfriend (who had a cold sore at the time) and I shared a lip balm (too stupid, I know) and what happened?! The first and MOST HORRIFIC thing ever took center stage on my bottom lip. I actually broke layers of skin, became a massive bubble of puss and bled non-stop for almost 2 weeks. Each time I ate or smiled, it cracked a re-opened, just to heal slower. Only 2 weeks after it entirely healed..what do you know? The red marks started to appear in the exact same place. I couldn't even contain how upset to go through 2 more weeks of hiding after it just healed.
Best thing: I ran to the local pharmacy and got a tube of Aciclover cream and put it on my lips 4 times a day. It's been 4 days now and the red patch is almost gone - not even giving it the chance to fully form! It's a complete life-saver.
Also, I've absolutely horrified that you stated a tube will cost you $60. I'm currently in Mexico and a tube at the Pharmacy will cost you $1.50 or less. And you don't need a prescription at all. Seriously consider stocking up if you ever head South!
With the exchange rate as it is, Canada really is a bargain. I'm going to spend this year's vacation in Saint-Hyacinthe, Quebec. Visiting Quebec is like visiting France, but without an expensive air ticket to Paris, and I get to speak French for a week, too. I can easily drive there in one day if I leave home at 7 AM, and it is a pleasant drive through New York State up I-87. Forget Brexit. Visit Canada instead.
We are saving for financial independence and to retire early. My partner and I max out our ROTH IRAs and 401Ks and we save about 20% in an investment portfolio. We live lean, but it will pay off!
I'm still saving for improvements to my house - first the upstairs bathroom, then the kitchen, then the yard, then the downstairs bathroom. It never ends.
Rates only go up when you are found at fault/liable for the accident.
My current savings goals are to save every penny possible (always pack a lunch, walk instead of taking the bus when I can) so that I can continue my education while I change careers at middle age. It's not easy, but it's working!
Just imagine all the money you'll save if you don't color your hair! If you were really trying to save money and be frugal, coloring your hair would be the last thing to be spending money on ~
I have 3 savings goals right now: save for a cruise for my 50th birthday for my niece and I, max out my Roth IRA each year, and continue building my emergency fund. I'm on track for the Roth IRA this year and I should reach my emergency fund goal next summer. I have 2 years to reach my goal for the cruise and started that fund last month. To get there, I reworked my budget to cut back on some categories (groceries & race entries), gave up a couple of monthly memberships, and reduced my Verizon bill.
We are saving for a new car.