evenstarjm
Confused about dryer sheets
- Joined
- Aug 25, 2006
- Messages
- 7
I'm in Denver
Hi everyone; found this site today and have perused it thoroughly and find most of you are pretty sound financially; scares me a bit to think of early retirement on my income. I'm a civil servant under FERS (Federal Employees Retirement System); have about 70K in my Savings plan, of which the first 5% is matched by the government. However, I'm going to spend 33K of it this December to pay off a manufactured home I own in Cheyenne WY (my oldest daughter rents here - but will leave when she graduates school in Feb 2007). I own the land it sits on, but the home is older and is NOT on a permanent foundation, so I cannot get a "normal" mortgage + it's on a 5-yr balloon which is due Jan 2007 and I have a 555 score on my credit. Really sounds like I'll be working for the next 20 years. It would be nice to have a place without a mortgage but I HATE living in Cheyenne. I was there for 14 years before moving here to Denver.
I make approx. 45K/yrly at my job. I find it hard to make ends meet now; what will retirement be like? YIKES!
I'm a 53 yr old woman, divorced with no benefits from that (meaning no portion of his retirement - maybe some Social Security), no dependents (I have 3 wonderful children, all grown and out on their own), just me and my 12 yr old Lab. I don't have any credit card debt, but I do have a house payment and car payment, plus the normal utilities. I commute 17 miles one way each day and as my friend put is so succinctly: It's not that I hate going to work, it's that I hate getting up. I will probably work PT in a job where I love what I do (i.e., crafts, fabric, plants - something I knew I could never make a living from full time).
Any suggestions from the multitude? On ANYTHING?
Thanks and I look forward to many chats.
Hi everyone; found this site today and have perused it thoroughly and find most of you are pretty sound financially; scares me a bit to think of early retirement on my income. I'm a civil servant under FERS (Federal Employees Retirement System); have about 70K in my Savings plan, of which the first 5% is matched by the government. However, I'm going to spend 33K of it this December to pay off a manufactured home I own in Cheyenne WY (my oldest daughter rents here - but will leave when she graduates school in Feb 2007). I own the land it sits on, but the home is older and is NOT on a permanent foundation, so I cannot get a "normal" mortgage + it's on a 5-yr balloon which is due Jan 2007 and I have a 555 score on my credit. Really sounds like I'll be working for the next 20 years. It would be nice to have a place without a mortgage but I HATE living in Cheyenne. I was there for 14 years before moving here to Denver.
I make approx. 45K/yrly at my job. I find it hard to make ends meet now; what will retirement be like? YIKES!
I'm a 53 yr old woman, divorced with no benefits from that (meaning no portion of his retirement - maybe some Social Security), no dependents (I have 3 wonderful children, all grown and out on their own), just me and my 12 yr old Lab. I don't have any credit card debt, but I do have a house payment and car payment, plus the normal utilities. I commute 17 miles one way each day and as my friend put is so succinctly: It's not that I hate going to work, it's that I hate getting up. I will probably work PT in a job where I love what I do (i.e., crafts, fabric, plants - something I knew I could never make a living from full time).
Any suggestions from the multitude? On ANYTHING?
Thanks and I look forward to many chats.