Simpliification

 

Being retired, limits the amount of money you can spend, because you have substantially less money coming in than you did while working...  UNLESS, you have a shitload of money saved or invested and you can add dividends to your income.

My wife and I have been retired for ten years, will soon be entering our eleventh year and have had no problems with our incoming and outgoing money because we CHANGED OUR LIFESTYLE before we retired.

Our Changed Lifestyle

ONE - No Debt...  been debt free for over 15 years

TWO - buy year old vehicles that have been leased with low mileage

THREE - buy ONLY what you need, not what you want

FOUR - save as much money as you can all the time

FIVE - shop for deals which includes vacations...  M-F is cheaper than staying through the weekend.

SIX - don't be greedy, includes one's eating habits

SEVEN - eat healthy and exercise to prevent medical issues

EIGHT - downsize your living accommodations to save money

NINE - live simply but with class

TEN - pay off credit cards before interest is due

One of the issues that many Americans deal with is having the discipline to stop buying toys that you don't really need but think that it makes you look good to your neighbors.

When we downsized our home, we literally threw away or gave away to Habitat for Humanity over HALF of our household belongings that included clothes.

We've not missed anything, in fact, we still think we are holding onto more than we really need.

CONTROL YOUR GREED AND SIMPLIFY