Every Day Is Sunday (or What Does Retirement Really Look Like?)

So many personal finance bloggers that I read each week write about the things you need to do to help you prepare for your retirement. I have done it myself. Those blog posts are very helpful in letting you know what you will need as income, how to estimate your after-retirement expenses, and talk a lot about how you can begin preparing really early in your career in order to maximize your own situation. In the case of younger retirees, the emphasis is usually on financial independence and “early retirement”. For many of us, however, retirement will come along in our later years, the 50’s, 60’s or even 70’s. At 66, I’ve been fully retired for a couple of years.

Every Day Is Sunday or What Does Retirement Really Look Like?

Rarely, however, do you hear from retirees on the realties of retirement: what do they actually do when they retire? and what did they do right and wrong to prepare for it? Since I am retired, and I’m also a blogger, I thought I’d tell you what I know and have learned as a retiree.Continue reading“Every Day Is Sunday (or What Does Retirement Really Look Like?)”

Common Retail Myths Exposed

We’d all like to think we know about most of the rules regarding our rights as consumers. If you’re old enough to know the name Ralph Nader (from before his political career), you can probably remember that he was very involved in protecting consumer rights and getting laws passed and policies changed that made shopping more consumer-friendly. The author of the book, Unsafe at Any Speed, he was particularly active with automobile safety and was largely responsible for the seat belt requirements in autos and their importance to safety protection regulations.

In a way, “Nader-isms” (if I can coin a word) have been responsible for a lot of things we do and think we know as consumers in all aspects of our shopping. I’ve spent 40+ years in retail stores and retail management, so I can tell you with authority that stores are now better than ever at attempting to satisfy and protect consumers. After all, happy customers are good for the bottom line.

Common Retail Myths Exposed

But there are still myths out there that make us wary and distrustful. In a few cases, they may be justified. But you should know the myths from the reality. Continue reading“Common Retail Myths Exposed”

50 Things I Know

Last week I faced up to the reality that I really don’t know everything when I shared with you 50 things I don’t know. Now granted that I didn’t list everything I truly do not know. But one thing is for certain, if I had done so you would still be reading that list and I would still be writing it! Life is full of inconsistencies that you just can’t grasp. Sometimes you can solve them and sometimes they remain a complete mystery. But here’s the beauty part: there are many things I know! These are truths and practices that are simple and make life better every day, so please allow me to share. See if you agree and know them too!

50 Things I KnowContinue reading“50 Things I Know”

Storage Units: Do’s and Don’ts to Save Money

It’s a fact of life today that you may find yourself in a situation where you’ll have to rent a storage unit. You see them practically everywhere you go these days and there are a slew of reasons why people are renting them more than ever. Although I have used a storage unit just once in my life, I did my homework first in order to save some money when using a storage unit was my only alternative.

Storage Units: Do's and Don'ts to Save Money

Some of the reasons people use storage units make perfect sense and are almost unavoidable. For example, if you’re moving your residence and your new place isn’t ready just yet, storage units can be a lifesaver so you can either sell your home (or get out of a lease) when you want and have your belongings protected until move-in day arrives.Continue reading“Storage Units: Do’s and Don’ts to Save Money”

50 Things I Don’t Know

Usually what I write on this blog centers around what I know. But I don’t know everything, in fact, there’s a whole lot I don’t know. Surprised to hear me admit that? As much as I enjoying telling anyone who will read or listen about everything I know, there is plenty I don’t know or understand. Some things are easy to find out and learn, from life experience, formal education, or learning from observation. But many others seem to be part of the “eternal mysteries of life”.

50 Things I Don't Know

Today I’m going to share with you some of those mysteries, at least from my point of view:Continue reading“50 Things I Don’t Know”

Divorce: Minimizing the Financial Impact

We all have the right to be happy, especially when it comes to marriage and family. Unfortunately, it just doesn’t always work out quite that way. Just because it hasn’t happened to you, don’t think that it can’t or that in some ways you may be different or immune. I personally have been through it, getting divorced in 1998 after 25 years of marriage, and I never imagined it would happen to me. I can tell you that from what I know and have experienced, that no matter whether the divorce was your idea or your spouse’s, there really are no winners in a divorce. In fact, the emotional stress as well as the financial stress can be a real wallop to each party, and can damage and impair both sides from the quick and successful recovery that each person truly seeks.

Divorce: Minimizing the Financial Impact

There are some ways to minimize those stresses, but first let me share with you what has changed about divorce recently.Continue reading“Divorce: Minimizing the Financial Impact”

Simple Daily Steps to Success

I have written several times about success, both financial and personal. We all feel that those are important and make us feel better about ourselves. There is, however, a real misconception out there than in order to be a success at work, relationships, and life in general that you have to be smarter, luckier, or know someone to ensure that you are successful. While that does happen, I’m here to tell you that long-term success is actually built on a series of habits that are extremely simple to understand and implement. In fact, most successful people do them routinely every day of the week!  Try to emulate these behaviors and soon you will be on your way to both a successful and happy financial life.

Simple Daily Steps to Success

Here are some simple daily steps to success that will help you on your way to reach your goals:Continue reading“Simple Daily Steps to Success”

How to Save Money on Car Rentals Every Time

One of the things I do nearly ever time I travel is to rent a car. It sounds like a good idea to get around town more easily wherever I’m visiting and sometimes it’s even an absolute necessity! But then I start to calculate the costs involved. That’s the catch for a frugal person like me, and that is when I begin to look for as many ways as possible to save on car rentals.

How to Save Money on Car Rentals Every Time

How to Save Money on Car Rentals

Here are some important points for any traveler to consider:Continue reading“How to Save Money on Car Rentals Every Time”