tag:blogger.com,1999:blog-5601819916630680133.post2167072418531536662..comments2024-01-23T23:07:00.959-08:00Comments on GRACEful Retirement: The Mental State of My FinancesGrace.http://www.blogger.com/profile/03557395027685855901noreply@blogger.comBlogger17125tag:blogger.com,1999:blog-5601819916630680133.post-29388518742506268502011-04-05T21:18:34.329-07:002011-04-05T21:18:34.329-07:00Wow! What a timely post. I have been on a cash die...Wow! What a timely post. I have been on a cash diet since January 1. No food, no entertainment, no clothes, nothing that isn't absolutely necessary. I received a couple of gift cards for Christmas and I have used them to augment my pantry with fresh fruit and veggies. Three months is a long time, so I decided to let loose a little in April. I had to replace my phone (tax-deductable business expense) and I finally broke down and went shopping. I bought a new CFL light bulb at the hardware store and fresh food from the Dollar Store. Also two new pair of socks! Yippee. But I still have to write a check to fund my 2010 Roth IRA. I better stop spending my brains out... Oh well, it was fun while it lasted.Dianenoreply@blogger.comtag:blogger.com,1999:blog-5601819916630680133.post-41657892743828028482011-03-21T16:06:11.852-07:002011-03-21T16:06:11.852-07:00me too. I have spending fatigue. Too much these ...me too. I have spending fatigue. Too much these past two months with supporting my BIL but at the same time trying to be "frugal".Living Almost Largehttps://www.blogger.com/profile/06594523259748625997noreply@blogger.comtag:blogger.com,1999:blog-5601819916630680133.post-31619307588345489762011-03-17T21:14:51.171-07:002011-03-17T21:14:51.171-07:00In these times do the best you can.In these times do the best you can.MasterPohttps://www.blogger.com/profile/07247333453805284751noreply@blogger.comtag:blogger.com,1999:blog-5601819916630680133.post-73771738036270189562011-03-17T21:01:13.685-07:002011-03-17T21:01:13.685-07:00Wow Judy--that definitely cheers me up! I sent yo...Wow Judy--that definitely cheers me up! I sent you an e-mail, and I'm very glad to have won the book.Grace.https://www.blogger.com/profile/03557395027685855901noreply@blogger.comtag:blogger.com,1999:blog-5601819916630680133.post-11608389015820503242011-03-17T19:52:58.135-07:002011-03-17T19:52:58.135-07:00Grace
Your doing great, like you have told me bef...Grace <br />Your doing great, like you have told me before we can't keep up all the time. <br /><br />But on the goodside you won the dave ramsey book on my blog so just send your info to smithk1968@aol.com and I will get it right out to you<br /><br />JudyAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-5601819916630680133.post-11780924930880935202011-03-16T07:37:07.429-07:002011-03-16T07:37:07.429-07:00Grace,
Sometimes you just gotta let go and splurg...Grace,<br /><br />Sometimes you just gotta let go and splurge a little. I am sure we all go through the binge and purge of personal finance. At least I do. Some days it is just near impossible to be balanced about anything. And that is okay.... You will be back on track in no time.Lisahttps://www.blogger.com/profile/16681111721765764568noreply@blogger.comtag:blogger.com,1999:blog-5601819916630680133.post-39915688223183946842011-03-15T19:54:46.647-07:002011-03-15T19:54:46.647-07:00LOl. I have many pairs of shoes and many clothes, ...LOl. I have many pairs of shoes and many clothes, morrison. Its doubtful unless I move to alaska or the the cayman islands (possible) that Ill need clothes unless I gain or lose a large amount of weight.........your experiences may be different.Barbhttps://www.blogger.com/profile/15195838412173806659noreply@blogger.comtag:blogger.com,1999:blog-5601819916630680133.post-22234656907152225802011-03-15T15:53:46.857-07:002011-03-15T15:53:46.857-07:00Grace, do you use a budgeting tool such as Mint? I...Grace, do you use a budgeting tool such as Mint? I found Mint last December, and have been so very pleased with how I have kept my spending in check since I have begun using it.<br /><br />I think you should have an amount each month that you can spend any way you please. You just have to pick your splurges carefully, make certain you use those dollars in whatever way brings you the most enjoyment.Petunia 100https://www.blogger.com/profile/11419094642410711334noreply@blogger.comtag:blogger.com,1999:blog-5601819916630680133.post-2389008017387496082011-03-15T10:20:42.966-07:002011-03-15T10:20:42.966-07:00"Never need another pair of shoes again?"..."Never need another pair of shoes again?"<br /><br />Does the term 'delusion' ring a bell?Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-5601819916630680133.post-2461673545598838512011-03-15T07:22:17.021-07:002011-03-15T07:22:17.021-07:00I think you've hit the nail on the head - frug...I think you've hit the nail on the head - frugal fatigue - describes it exactly! some days it just feels like there is no end in sight and there's no more to cut from the budget.Louisehttp://eliminate-my-debt.blogspot.com/noreply@blogger.comtag:blogger.com,1999:blog-5601819916630680133.post-16806146260052993532011-03-14T20:46:19.883-07:002011-03-14T20:46:19.883-07:00Grace, its a mind set and it takes some time getti...Grace, its a mind set and it takes some time getting there. The main thinng is you cant have it all, all the time. Try looking at it as a challenge......look for creative alternatives. I suggest allowing yourself a realistic budget each month for "non budgeted stuff" and go from there. If youre like me, you never need another pair of shoes again.Barbhttps://www.blogger.com/profile/15195838412173806659noreply@blogger.comtag:blogger.com,1999:blog-5601819916630680133.post-89789819105936464442011-03-14T14:48:35.725-07:002011-03-14T14:48:35.725-07:00Geeze, I thought I was alone in all of this. Livi...Geeze, I thought I was alone in all of this. Living on a budget whether voluntary or forced upon, is hard, hard, hard.<br /><br />I found that you have to 'splurge' a little bit to balance out the deprivation. Splurging, unfortunately, right now, for me is buying a better grade of food or filling up the gas tank to read an actual "F". <br /><br />WOW! That's big. Driving around with a full tank of gas and a packed pantry makes me feel very successful.<br /><br />Ugh. Who'd a thunk?Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-5601819916630680133.post-84201815024660649642011-03-14T10:18:43.565-07:002011-03-14T10:18:43.565-07:00Thanks folks--especially MutantSuperModel, from wh...Thanks folks--especially MutantSuperModel, from whom I intend to borrow one of those pom-poms and ram it down Murphy's throat! Sheesh, and I used to be such a pacifist!Grace.https://www.blogger.com/profile/03557395027685855901noreply@blogger.comtag:blogger.com,1999:blog-5601819916630680133.post-18381664207358070432011-03-14T10:08:50.812-07:002011-03-14T10:08:50.812-07:00Whatever side of the bed you woke up on, it's ...Whatever side of the bed you woke up on, it's the exact same one I woke up on apparently. Oh yeah, I had my own moaning session. We can do this, yes we can! *ruffles pom poms*Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-5601819916630680133.post-74565126350857660862011-03-14T08:52:03.902-07:002011-03-14T08:52:03.902-07:00I like that "frugal fatigue" label. This...I like that "frugal fatigue" label. This is probably politically incorrect, but husband and I used "welfare syndrome" to describe the end of the week during a long trip when we quit our jobs and vanned around the U.S. with a few side trips into our northern and southern neighboring countries. We had paid off credit cards, saved for a year and pulled my contributions out of the state retirement system. <br /><br />This was in 1978-79 and we had a budget of $100 a week for food, gas, campsite fees for husband, 5-year-old son and me. It was tight even then, and when we found free campsites, we stayed a while. But by the end of the week, we were ready to eat out, and spend spend spend. We satisfied the urge by 1) taking turns on choosing the eatery for the end of the week splurge, and 2) each of getting to purchase one "treat" during our end of the week grocery shopping. <br /><br />Hang in there! Keep thinking about how great you have done, cause you have!LChttps://www.blogger.com/profile/08369350929348290480noreply@blogger.comtag:blogger.com,1999:blog-5601819916630680133.post-15750925321321867192011-03-14T05:53:18.563-07:002011-03-14T05:53:18.563-07:00Grace,
I hear you. I'm thinking we all get to...Grace,<br />I hear you. I'm thinking we all get to that point one time or another. I was suppose to be all about balance, but this month I've swayed way over to the spend side. Not very balanced. You have done such a great job paying down your debt. Look back at where you started and you will get pumped again. Going out to lunch with friends is important. (Just don't run up your credit cards...that will be a lasting hangover I'm sure you won't want!)<br /><br />Here's to sunshine and spring...Sharonhttps://www.blogger.com/profile/13940623529019637336noreply@blogger.comtag:blogger.com,1999:blog-5601819916630680133.post-28097052834738084022011-03-14T05:46:50.415-07:002011-03-14T05:46:50.415-07:00You've been making steady progress though! Ma...You've been making steady progress though! Maybe it's slower than you'd like, but it is definitely steady. <br /><br />You can either keep it up or gazelle intense for a while... but succumbing to fatigue is only going to prolong the pain.<br /><br />You can do this!Anonymousnoreply@blogger.com