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Starting anew

October 6th, 2019 at 09:46 am

That darn hacker!
I lost several posts in the April through recovery time period. And, they had such interesting titles...Billions! Kids are expensive! Life is Expensive!

Oh well, it's not like I was creating great works of fiction. Smile I am reminded though of a Thomas Edison saying. "There is great value in disaster. All our mistakes are burned up. Thank God, we can start anew."

For just a quick recap, life has continued and it has been expensive and busy. My daughter A made the regional volleyball team and my son R is playing fall rec lacrosse. Sports mean equipment, uniforms, league fees and associated travel expenses. Fortunately, I am able to cash flow the costs. And, what I can't, comes from savings (life expenses sinking fund.) Yes, I know I am not doing sinking funds the proper way but most everything gets paid for through cash flow and when there isn't enough, I take from savings. I'm fanatical about saving so I'm not so concerned.

What does concern me is retirement savings and whether I will have enough. Work has me traveling to Charlotte and I will have the opportunity to meet face to face with my financial advisor. He always tells me that I will have enough money. He says my frugal habits won't disappear in retirement and I'm fortunate to have a pension and health care (at a government group rate) in retirement. I am just afraid that my husband and I will live longer than anticipated. So, really, when can you ever feel comfortable with what you have saved for retirement. Maybe if I had $2 million or more saved but I'm not there.

Oh well, that is my worries. Everything else is generally good. I did recently have to finally go on blood pressure medicine. Everyone on my side of the family tree is has taken BP medicine and I'm now there at 54 years old. I am sure if I lost weight - yes, I am curvy in all the right and wrong places - my blood pressure will go down. I guess, I need to start a "Me" project and take time to walk, drink water, eat better, etc. As a mom, everyone else comes first. As a traveling employee, it is easier to work long hours on the road, grab fast food and go back to the hotel room, eat, binge Real Housewives and go to bed, only to do it all over again. I need to realize that at 54, my genes are starting to have an effect on my health. And, if I want to see my kids graduate from HS, college, marry, and kids, etc., I need to take better care of myself.

So, how is that financially related? I guess I will be looking into cost appropriate exercise options. And, maybe spending more of my per diem to eat better. I just have to start, one foot in front of the other....21 days makes a habit....

Frugal Texan, I don't have your commitment to do a stepbet or weight loss bet. But between you and CB in the City, you will be part of my motivators. Keeping posting your activities!