As I've gotten older, I have gotten better at saving money. Working from home really helps. I used to spend gobs of money on gas, car repair, music for teaching, training, and dance clothes. Now that I write from home, I don't need any of those things. My clothes last a long time, and I don't get tired of them. I wash them on the delicate cycle, and hang them on the clothesline to dry. I buy and make clothes that I really love, and keep them for as long as possible. I have always appreciated and respected quality clothing.
Since my cottage is tiny, I very rarely buy "things". I prefer to spend money on experiences and travel. Since I was a young girl, I had always dreamed of traveling in my fifties, like my Aunt Mary. It feels like the perfect time. She planned a couple of trips per year, and always looked forward to them. I really appreciate the cruising lifestyle. It's so convenient to have everything you need on the ship, and to not have to lug your bags everywhere. I am already researching my next voyage. There's a cruise to Australia that sounds amazing!
The hens have been laying eggs nearly every day. They share the nest box; it's so sweet. Having them saves me money on groceries. I find that I eat less meat and poultry, now that I have a steady supply of fresh eggs. I love the ritual of gathering them in the early morning light.
I have cut out certain things in order to save money. I don't have t.v., and drive very short distances. I combine my errands into one trip, and I don't eat out at restaurants. I would rather spend that money at the end of the year on a trip. That's when I will splurge on restaurants, which I really enjoy and appreciate. I do order a cup of tea or a muffin at one of my weekly knitting groups, but I don't have a full meal. I cook and prepare everything at home. It's been part of my routine for years, since I bought my cottage.
I try to keep six months of living expenses in savings. I actually feel best with $20,000. in savings, but am working my way back up to that amount. It's a safe feeling to know that if something in the house breaks, or if the car needs a repair, I have the cash. I budget $3,000. a year for home repair and maintenance, so I generally don't have many unexpected problems. This year I spent a lot of money on tree trimming, adding a redwood fence, and draining my septic tank. It was a rewarding feeling, though. These are things that have to be done, just not that often. I am planning to retouch the exterior paint soon, too. I think the heat is very hard on it. The sun beating down seems to cause the paint to crack and peel.
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