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Wednesday 11/8

Wednesday, November 08, 2017

I hope I didn't give anyone the impression that I'm too scared to be happy about retirement. I am a little apprehensive with all the concern about medical expense, taxes and the ACA but I am really looking forward to all I've planned for with AAUW, my position on the Senior Community Board of Directors and my membership in Olli.

Anyway back to Goals and challenges. Right now the 5% challenge Living the Good Life activities are Declutter your life and Eating a good breakfast. Both are all or nothing 10 points.

One of my goals for retirement is to clear out all of the junk hanging around my house, so it easy for me to get started on that a little at a time. We live in a five bedroom 3 Bath two story house. Just me and my DH and the four bedrooms we don't live in have gradually turned into closets. I have gotten rid of my wrapping paper collection, two stools and two suitcases we don't use anymore since they are too heavy, empty. As far as that job goes I already feel pretty accomplished.

As far as eating breakfast, I believe in the studies that tell us to eat breakfast like a king, lunch like a prince and dinner like a pauper. I can remember as a high schooler who had to take the Subway and a bus to school, my idea of a healthy breakfast at that time was a coke and Hershey Almond Bar bought from a vending machine at my Subway station. Now, I feel hungry by 10:00 if I haven't had a substantial breakfast. Most mornings I have a cup of sliced strawberries, 3/4 of a cup of Kashi Honey Almond Flax Crunch (it has 8 grams of Fiber and 9 grams of Protein and only 200 calories) with 4 oz of skim milk over the cereal and 4 oz in a glass. I also have 2 cups of coffee with fat-free half and half.
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  • no profile photo CD11232210
    Hubby retired 11 year ago - my first concern was going from 2 paycheques in a month to one paycheque at the end of the month - that first month was difficult to get through - but it gets easier. I live in Canada where our medical coverage is different from the US - we did lose dental coverage when hubby retired so we made sure we had a lot of work done before retiring - now just the normal cleaning.

    Big change for me was to have hubby around 24/7 = love him dearly but when he worked he was on the railroad so most of the time when he went to work he would be gone up to 30 hours + and then home for 24 = so I had lots of time to get things done when he wasn't around. That 1st few months of getting daily chores - laundry, grocery shopping, cleaning the house - was difficult when he retired as he was always saying 'lets go out for coffee' = but things settled fairly quickly.

    I love having him around - though as a wife things don't 'retire' as there is still meal making / laundry / house cleaning / grocery shopping = only difference is now hubby is around all the time when this is being done = but love it

    1256 days ago
    Your employer or even AAUW may have some insurance plan for retirees under COBRA, which will cover you until you qualify for Medicare - and then they usually also have a supplemental plan to cover what Medicare does not. At least, my school district does it that way. So that you can skip ACA.

    Other than that, it's pretty easy. (With taxes, you deduct your pre-tax contribution to your retirement fund - my 1099 comes with that info on it. The first year is odd, because I retired Sept 1 and so I had 9 months of salary. But I didn't get my first retirement fund check until December, so it wasn't that much.)
    1258 days ago
  • no profile photo CD17288779
    I’m retired and wonder when I had time to work.
    Breakfast I’ve never left home without.
    My mum used to get up no matter when shifts started to make it for each one of us to make sure we had one. Old habits die hard.
    1258 days ago
    I'm retired and I love it. You will do o.k.
    1258 days ago
    You will love retirement - it takes a bit of time to get used to but once you settle in it's the best. I agree about breakfast - lately it's been the biggest meal of my day and it helps me get through the morning without wanting to snack.
    1258 days ago
  • BRANDI-13
    Just retired at 68 - finally felt like I was ready, but having worked since I was 15, the thought of not having that schedule and boundaries was definitely scary - and the usual money issues. Have spent this first month working on my health, getting our financial/estate papers in order for our children - much, much to do. Best advice I have received from friends already retired is to wait a full year before I make any commitments to organizations, groups, schedules. I am told that my interests, my goals, and where I choose to put my talents and hours will change - and I will be surprised where they take me - sounds like great advice and I intend to follow it for at least 9 months. Happily beginning to sort out this home - told hubby that if it isn't beautiful or useful, out it goes. His comment was that he better stay busy and useful cause he isn't that pretty! Just remember to enjoy!
    1258 days ago
    I like your healthy breakfast.

    On to the topic of retirement, I understand your apprehension I felt the same way prior to retirement. It a lot to consider, a fixed income and the increase cost of fuel, taxes and so on. I retired early due to parents health and burnt out. I have survived so far but in all honesty I like working better. Ypu will be just fine!
    1258 days ago
    1258 days ago
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