Learning to cook and bake from scratch will save you heaps of money. It is also very enjoyable. You're spending your time in a positive way, and your home or apartment will smell divine. The quality leftover food can be enjoyed for days. By making what you eat yourself, you avoid chemicals, unhealthy ingredients that you can't pronounce, and you don't waste packaging. I transferred this apple cranberry crisp into a pyrex dish with a lid to keep it fresh.
Choosing to live in an area with a low cost of living will also help you to keep your expenses low. You may have to drive further to get to the grocery store, but you can stock up on your staples, and plan ahead with a grocery list for what you need. Up in the mountains, we are used to keeping a stockpile of food in anticipation of power outages, snowstorms, or busy roads due to out-of-town visitors who want to ski, hike and snowboard.
Staying in shape through hiking, carrying firewood, walking your dog and bicycling will make your health expenses lower or even nonexistent. Most of us will encounter some health challenges as we age, but being physically active and spending time outdoors can make a huge difference. The longer you are strong and fit, the better your retirement will be.
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