For my new readers or even long time readers, here are a few things about Hubby and I.
I was born in New York and have always lived in New York except for the 10 years that we lived in the Phoenix, Arizona area. Living in Arizona was a wonderful time in our lives but we missed our children and grandchildren so we came back to New York.
My Hubby is the love of my life and we have been married for more than 55 wonderful years. He took my breath away the first time I met him and I continue to love him more and more each day.
We have two sons who have their own lives now and we have a granddaughter and a grandson. I love them all as much as Hubby. They give me joy each and every day even though they do not live in the same town.
We retired 21 years ago this month. That early retirement was planned from the time we were in our early twenties. We made many of our choices around being able to retire early. Hubby had been diagnosed with heart disease when he was 23. His father died before he could retire. Hubby wanted to make sure that he had a few retirement years before he died. I have kept him healthy and he is doing great. Career choices were based on that and on making sure our children had a good college education. We reached that goal and many more.
People have asked me if we have always been frugal. I would have to answer that yes. Every decision was based on our and our children’s needs.
Did we have any luxuries while the children were growing up? Yes, we had many including the boys going to a private all boy’s academy for junior high and high school. We put an in- ground pool in our yard that we could all enjoy. We went to camp at a lake one year so they would know what that was like. You see Hubby and I both spent our summers on a lake when we were growing up. Believe me when I say that the boys had a great life when they were children and they went without nothing especially love. They spent time many summers camping with their Dad and other fathers and their sons. They played basketball, football, and track when they were at the academy and we were at every game. They were into soccer from the time they were 6. We paid for many proms and limousines.
By being frugal we put Hubby through his last 2 years of college(while I was at home taking care of two infants) and his Master’s program. Was that easy? No but it paid off in the long run. I was a stay at home mom until my youngest was in 5th grade when I took a part time job. Then the year after my oldest had finished his first year at the academy and my youngest son was starting in 6th grade, I took a full time job to pay for their private school and college educations. That way Hubby could concentrate on putting money away for retirement. I stopped working the year before my youngest son entered his last year at a 5 year college. I could do that because we were mortgage and debt free.
We were mortgage and debt free while we lived in Arizona and while we have lived back here in New York.
Frugality in everything you do allows you to make your choices in life and to be able to spend on the people and things that are important to you.
Even though we are retired we still practice frugality so that we can spend on what is important to us now. As we age and can’t do some of the things we used to be able to do, we can afford to hire people to do them for us.
Hopefully with the posts that I do here on the blog, some of you can learn from me and have the life that you want. I will do my best to post things that can help. I am getting older and slower at doing the things I used to do but I still have a functioning brain.
So if there is ever anything that you have a question about or want to learn about from my experience, just leave a comment and ask. I will do my best to write about it.