Beauty

[INDIANA BONES]

@MarieIG

This is another time I will say thank goodness for a good Union.  I hope your DH's retirement benefits also includes you on his insurance.  

I have so many friends retiring but I can't at this time. I am happy for everyone that is able to retire.  They earned it.  

[INDIANA BONES]

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@MarieIG wrote:

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@INDIANA BONES wrote:

I did the same thing.  Sorry anyone.  I thought this was a recent post.   I am on a learning curve here.     Failing so far. 

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@INDIANA BONES  Noooooooo!  You are not failing!  You are a knowledgeable, kind, thoughtful poster, and an asset to the board!  

The info you posted will be helpful to many people who read it.

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@MarieIG

Thank you for your kind words.  The kindness here and helpfulness of others is surreal. 

[winamac1]

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@MeAgain wrote:
Turn off Q

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My husband agrees, LOL.

I do save, but I love buying too, LOL.  

My DH says that women keep the economy going.  He certainly doesn't. 

[kcladyz]

i will never be able to retire and i think that will be true with millions.  The last minirecession  many people lost their mutral funds and 401k.  All i have is a 401k and I try to contribute something every paycheck to it even if  its only 1%  

[MarieIG]

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@silkyk wrote:

My #1 advice is pay off your mortgage! Most of our friends decided to use their house as a bank and refinanced themselves into debt for many, many more years. They went on cruises and bought new cars and generally blew all their equity ( and freedom from a mortgage payment every month). Don't do that.  Also I agree with the poster who advised "live below your means". Living WELL is the best revenge and you'll be doing it!

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I think this is very good advise.  I would agree, if possible, it is preferable to face retirement without a mortgage. I'm not looking for a new car now.  We have our cars serviced reguarly, and I hope to keep them for a long time .

[MarieIG]

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@INDIANA BONES wrote:

@MarieIG

This is another time I will say thank goodness for a good Union.  I hope your DH's retirement benefits also includes you on his insurance.  

I have so many friends retiring but I can't at this time. I am happy for everyone that is able to retire.  They earned it.  

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Thank you Moroco,  I am greatful for his union as well.  Yes, thank goodness I am covered under his health insurance plan.  It is much better than the plan in my office which is basically catastrophic. I hope that your job is not too stressful and that things work out well for you.

[MarieIG]

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@kcladyz wrote:

i will never be able to retire and i think that will be true with millions.  The last minirecession  many people lost their mutral funds and 401k.  All i have is a 401k and I try to contribute something every paycheck to it even if  its only 1%  

Yes, my job just has the 401(k).  I hope that you will have social security as well. 

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[lulu2]

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@Pinkroses wrote:

Do not use credit cards. Save and don't watch QVC or HSN

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There is nothing wrong with using credit cards, providing you do not spend more than you can afford.  We use a Discover Card for almost everything and pay it in full every month.  I take the cash back reward once a year.  It is a significant amount of money. Had we paid cash, there would be no FREE MONEY. (not to mention how much cash we'd have to keep on hand)