tag:blogger.com,1999:blog-1611711622146875201.post1018526116850608309..comments2024-03-28T21:23:54.204-04:00Comments on DON'T READ THIS; IT'S BORING!: I'm an Island of Frugal in a Spendthrift Familyslugmamahttp://www.blogger.com/profile/12728856166374248591noreply@blogger.comBlogger10125tag:blogger.com,1999:blog-1611711622146875201.post-1710295375298274142011-05-02T08:53:13.011-04:002011-05-02T08:53:13.011-04:00I remember oh so well those college costs. That is...I remember oh so well those college costs. That is why I had to wait until 54 to leave my job. DH was always on track for 55 and left a few months before.<br /><br />That medicare gap of 5-6 years is a biggie. My SIL and BIL just figured it will cost them $12,000. each to replace what they have at work now. If I were them, I would be looking at a less costly hospital plan and pay the Dr's out of pocket as they went along.American Dreamerhttps://www.blogger.com/profile/14091457436415496408noreply@blogger.comtag:blogger.com,1999:blog-1611711622146875201.post-34112202133564932392011-05-01T15:15:35.169-04:002011-05-01T15:15:35.169-04:00Sheila--Thank you! Now I don't feel so bad.lo...Sheila--Thank you! Now I don't feel so bad.lol<br />And heaven help us..... ;-)<br /><br />Pretty--I've taken so many deep cleansing breaths in the last day that I am ready for a colonoscopy.lol<br /><br />AnnieJ--I'm glad to hear you broke,er....got Shane on board fairly quickly. You 2 sounds like 2 peas in a pod sometimes, in a good way! 8-)<br /><br />Marilyn-Your hubs has some not so frugal-friendly habits there, doesn't he? Good luck with that. ;-)<br /><br />HeatherAnne--Man, oh man! A hubby who does REBATES even? THUNK!!...that was the sound of me fainting. I'd be happy if he would just use the coupon I shove in his hand at the store!lol<br /><br />Precious--Thanks. We've sat down and used all the calculators and formulas to figure out the money part. It won't be 50 because he's 53 now.lol So we are shooting for 60, but that will depend on how the investments do the next few years and how much the college costs continue to rise, since we are still funding 3 college educations-that won't be finished until he hits 60. Then we have to figure out what we're going to cover the 5-6 yr. gap between retirement and Medicare.<br />Geez, what a pain...my brain hurts.lol<br /><br />Mark--Did you let Fred watch extreme couponing?...uh oh....lol<br />I'm going to star on your blog this week? Oh geez.....this could go badly, right? I am afeared, VERY afeared!!! ;-)slugmamahttps://www.blogger.com/profile/12728856166374248591noreply@blogger.comtag:blogger.com,1999:blog-1611711622146875201.post-19342740737907831582011-05-01T15:10:43.678-04:002011-05-01T15:10:43.678-04:00You know, I might have just taken all the stuff ba...You know, I might have just taken all the stuff back, returned it, then repurchased it with enough additional to push it over the $50 mark. I'm not above doing something like that, depending on how close the store is and whether I could take care of any other errands on the same trip.Annie Joneshttps://www.blogger.com/profile/07123644833186800503noreply@blogger.comtag:blogger.com,1999:blog-1611711622146875201.post-63045707169501886072011-05-01T14:11:08.636-04:002011-05-01T14:11:08.636-04:00That $46.00 receipt would have driven me nuts. Fr...That $46.00 receipt would have driven me nuts. Fred spends a lot of money. That said, he just got bit by the coupon bug last week. He bought an organizer yesterday and was clipping away this morning. How hot is that?<br />Hey, on Wednesday, I'll be talking about you. Well, actually, writing about you. Are you scared???<br />Your Friend, m.Markhttps://www.blogger.com/profile/01049586061176648341noreply@blogger.comtag:blogger.com,1999:blog-1611711622146875201.post-18838427933804043962011-05-01T08:33:00.283-04:002011-05-01T08:33:00.283-04:00MY DH is pretty frugal. Sometimes he blows it but ...MY DH is pretty frugal. Sometimes he blows it but not very often. So I just let those little times slide. I feel we need balance in everything.<br /><br />As far as retirement, depending on what age you think he will retire at and how long his family lived to, remind him of the formula.<br /><br />For every million dollars that you have socked away, it will generate income of about 4% a year or $ 40,000. In a period of high inflation it will generate less. You need enough to pay your expenses each year. If you need $50,000. or $60,000. to live the way you want then you need $1,250,000 or $ 1,500,000. Since our government is printing money like there is no tomorrow, I would plan on high inflation coming and to be safe, I would want at least $2,000,000. if you want $60,000. to spend each year. Sometimes when you show actual amounts to hubbies, they wake up.American Dreamerhttps://www.blogger.com/profile/14091457436415496408noreply@blogger.comtag:blogger.com,1999:blog-1611711622146875201.post-44444479595431483352011-04-30T23:43:30.268-04:002011-04-30T23:43:30.268-04:00Mine is doing really well @ helping to maintain a ...Mine is doing really well @ helping to maintain a frugal lifestyle :) He scours the stores for tear pad and blinkie Q's, clearance items etc. Sometimes he finds better deals then me! A couple of weeks back he spotted a huge rebate on all our scotts lawn chemicals for the year. He purchased the items and even submitted the rebate himself, awesome!HeatherAnne:)noreply@blogger.comtag:blogger.com,1999:blog-1611711622146875201.post-72844803529888518752011-04-30T19:22:38.734-04:002011-04-30T19:22:38.734-04:00Its an uphill battle here too! DH thinks nothing o...Its an uphill battle here too! DH thinks nothing of the $50 every 10 day on cigarettes, $17 weekly for PBR beer and a case of Pepsi a week habit! Why oh why do I even try!?Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-1611711622146875201.post-72206556655710632322011-04-30T18:22:50.537-04:002011-04-30T18:22:50.537-04:00Shane was a little spendy when we first met, espec...Shane was a little spendy when we first met, especially when it came to going out eat or to a bar. He'd grown up in a household where his dad did the shopping and bought only name brands. He then lived with a woman with a couple of kids who wouldn't eat leftovers. He also had this crazy notion in his head back then that it was ok to buy only brand new cars and that it was taken for granted that he'd always have a car payment. In other words, he thought debt was ok.<br /><br />It really didn't take him long, though, to get on board with frugality. He saw the fun in garage sales and flea markets, saw how much farther our food dollars went if we shopped sales or at Aldi, and decided that my cooking was good enough to keep us out of restaurants. <br /><br />He and I both make the occasional mistake, but he's <i>almost</i> as good as I am at finding the daily good deals, and much better than I am at negotiating bargains on big ticket items. So yeah, I'd say he's on board.Annie Joneshttps://www.blogger.com/profile/07123644833186800503noreply@blogger.comtag:blogger.com,1999:blog-1611711622146875201.post-49050557617515200402011-04-30T17:27:08.545-04:002011-04-30T17:27:08.545-04:00And mine :) Well for another couple months, anyway...And mine :) Well for another couple months, anyway. <br /><br />I'm sorry it's so aggravating, and I totally understand that it is, believe me! Other than comiserating with you, though, I don't have any advice other than lots of deep, cleansing breaths...I'm So Prettyhttps://www.blogger.com/profile/08131740631286018976noreply@blogger.comtag:blogger.com,1999:blog-1611711622146875201.post-66234401375558572942011-04-30T15:06:12.713-04:002011-04-30T15:06:12.713-04:00Your husband sounds like mine ;)Your husband sounds like mine ;)Sheilahttps://www.blogger.com/profile/13884620039283121412noreply@blogger.com