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Re: Budgeting for and during ER
Old 06-07-2005, 05:38 PM   #41
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Re: Budgeting for and during ER

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Originally Posted by ex-Jarhead
My comment is: *You are going to end up with more than you can spend at a time when you won't feel like spending anymore, if you don't loosen up at this stage.
Yeah, and it's a heckuva problem, isn't it?!

You're making that comment from the perspective of someone whose portfolio has survived long enough to be deemed survivable. You're living proof of common sense & figuring it out.

I can understand the fears of those who worry that they haven't thought of everything and who fear disability more than death. Or those who don't want to have to tell their parents (or their kids, or their siblings) that they can't help out.

Heck, that makes the fears of runaway inflation or of having to go back to work seem trivial.

We all want to make this journey with enough left over to help ourselves or our loved ones through the unpleasant surprises, and maybe enough left to help with the pleasant surprises. The problem is that we can't budget for those surprises, but we can sure limit what we feel is "waste". Or at least be able to point a finger at it.

The rest of this thread is pretty much left-handed INTJ engineers figuring out how they're gonna "get close enough for all practical purposes."

OK, OK, I'll go see "Cinderella Man". I'm guessing this isn't a good date-night flick?

(You know I'll be buying the matinee ticket and smuggling in my own candy.)
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Re: Budgeting for and during ER
Old 06-07-2005, 05:54 PM   #42
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Re: Budgeting for and during ER

JohnP...a lot in common...my first (and likely ONLY) son was born when I was 43 as well. Its sure turning out to be an interesting time. Didnt feel like I was giving or getting any grief, just passing on the numbers!

Jarhead, yep its good advice. Wish I felt like I was missing anything that required I spend more money on something. Pretty much buy whatever we need and do whatever we want. It just doesnt end up costing much. I do swap some time for finding a better deal, especially on frequent expenses. But I kind of enjoy that.

Al - we're probably both on pg&e? My elec rates look the same. Jumped 50% right after we got married. Not sure what exactly is the culprit, but my house at times looks like 5 people are living in it...every light on and 2-3 tv's all going at once

Well thats it, i'm officially the old man complaining about the thermostat and the lights left on. Time to start hiking my pants up to my armpits and get it over with I guess...
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Re: Budgeting for and during ER
Old 06-07-2005, 06:34 PM   #43
 
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Re: Budgeting for and during ER

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OK, OK, I'll go see "Cinderella Man". I'm guessing this isn't a good date-night flick?
It is a very good date-night flick! - My wife loved it. It showed the dedication of man to his family in tough times. It also ends very nice, a feel good flick to the max!
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Re: Budgeting for and during ER
Old 06-07-2005, 08:02 PM   #44
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Re: Budgeting for and during ER

Agree with C-T on the movie. Prob accurate of the times.
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Re: Budgeting for and during ER
Old 06-08-2005, 12:30 PM   #45
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Re: Budgeting for and during ER

I dont worry about running out of money.

I want my son to get any education his abilities warrant, and I want him to be financially independent at the 'right age' so he doesnt have to wage serf for idiots.

I want to know if I was in a car accident tomorrow and didnt make it, that my wife and son are well cared for the rest of their lives.

I can forgo a few dollars blown here and there to assure that.

And by the way, I do bring my own can of soda to the mall to buy my $1.50 taco or 99c burger. I'm sure as hell not paying $1.20 for a cup of sugar water.
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Re: Budgeting for and during ER
Old 06-08-2005, 07:12 PM   #46
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Re: Budgeting for and during ER

Yesterday evening, I went to several museums. I got there by bicycle. I brought fruits and homemade mix of nuts and raisins just in case I got hungry.
The museums were free.
The transportation was free.
The food cost pennies.
Life's simple pleasures.
Had a good time.

The dent on the budget, negligible.

MJ
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Re: Budgeting for and during ER
Old 06-09-2005, 08:33 AM   #47
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Re: Budgeting for and during ER

Quote:
Originally Posted by Permanently Redeployed
Yesterday evening, I went to several museums. I got there by bicycle. I brought fruits and homemade mix of nuts and raisins just in case I got hungry.
The museums were free.
The transportation was free.
The food cost pennies.
Life's simple pleasures.
Had a good time.

The dent on the budget, negligible.

MJ
Yep, it can be done and LBYM. You didn't use any $200 Nikes to pedal that bike, did ya?
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Re: Budgeting for and during ER
Old 06-09-2005, 09:45 PM   #48
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Re: Budgeting for and during ER

Quote:
Originally Posted by Eagle43
Yep, it can be done and LBYM. You didn't use any $200 Nikes to pedal that bike, did ya?
$200 Nikes, moi? N E V E R ! unless they were on sale for $25.

Actually, I was wearing mountain bike shoes I bought on a real good closeout sale for $15 at Nashbar.com an internet/phone bicycle store.
2 weeks later they dropped to $10 so I called them and got the difference back.
Not bad for ten bucks. I wish I had bought a couple.

It seems, I have always had a genetic propensity for frugality. Darn.

MJ
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Re: Budgeting for and during ER
Old 06-09-2005, 09:50 PM   #49
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Re: Budgeting for and during ER

I wear the $9 costco sneakers until they're so frazzled one of the dogs mistakes them for a dog toy, which according to my wife is a pleasant mistake.
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Re: Budgeting for and during ER
Old 06-09-2005, 09:55 PM   #50
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Re: Budgeting for and during ER

Duct tape - our dog doesn't like the taste - plus it adds decorative style to sneakers and deck shoes when properly applied.

The SO doesn't agree - but they are 'my' shoes.
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Re: Budgeting for and during ER
Old 06-09-2005, 10:16 PM   #51
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Re: Budgeting for and during ER

Dang it unclemick, even I wont duct tape $9 shoes a dogs gnawed on and wear 'em!

So let me get this straight.

Unclemick is cheaper than me.

Cut-throat starts more threads and bravely invests in index funds even at nose bleed valuations.

Nords lays himself out on a piece of fiberglass and presents himself to an array of sharks in their home waters like some sort of appetizer sampler plate when I cant even watch a movie with sharks in it without having 2 days of nightmares.

Martha knows more tax law than me and gets her dogs to wear food on their heads.

About all I can say for myself is more weirdo's from this board have offered to have sex with me or show me their 'snakes'.
:P


Oh yeah, and my IQ is higher than john galts. I guess thats something. I wonder what he's going to do when I finally, inexorably, catch him on that worthless post count thing? Hmmm...
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Be fearful when others are greedy, and greedy when others are fearful. Just another form of "buy low, sell high" for those who have trouble with things. This rule is not universal. Do not buy a 1973 Pinto because everyone else is afraid of it.
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Re: Budgeting for and during ER
Old 06-09-2005, 10:23 PM   #52
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Re: Budgeting for and during ER

Quote:
Originally Posted by th
. . .

So let me get this straight.

. . .About all I can say for myself is more weirdo's from this board have offered to have sex with me or show me their 'snakes'.
:P


Oh yeah, and my IQ is higher than john galts.* I guess thats something.* I wonder what he's going to do when I finally, inexorably, catch him on that worthless post count thing?* Hmmm...
Oh, big deal. My snake has a higher IQ than john galt and the president put together*.

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* As tested by the Diamondback-Binet IQ test.
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Re: Budgeting for and during ER
Old 06-09-2005, 10:28 PM   #53
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Re: Budgeting for and during ER

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Originally Posted by - SG
Oh, big deal. My snake has a higher IQ than john galt and the president put together*.

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* As tested by the Diamondback-Binet IQ test.
And he spits milk, too!

Th, well if you stopped describing yourself as a linebacker, maybe the membership wouldn't get so hot and bothered!
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Re: Budgeting for and during ER
Old 06-09-2005, 10:48 PM   #54
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Re: Budgeting for and during ER

Yeah, so I put duct tape on Martha's slippers ten years ago (I retread yearly). But I haven't done mine yet. Do I get any status outa this mess? Plus, my snake can wink AND deal with snow at the same time--without any training.
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Re: Budgeting for and during ER
Old 06-09-2005, 11:05 PM   #55
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Re: Budgeting for and during ER

Ah, but does your snake leave "tracks" in the snow??

No, wait, that was a dragon...

Duct tape is one of humankind's greatest achievements! 8)
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Re: Budgeting for and during ER
Old 06-10-2005, 06:12 AM   #56
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Re: Budgeting for and during ER

My really cheap days are behind me - I just like duct tape.
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Re: Budgeting for and during ER
Old 06-10-2005, 06:36 AM   #57
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Re: Budgeting for and during ER

Quote:
Originally Posted by th
Oh yeah, and my IQ is higher than john galts.* I guess thats something.* I wonder what he's going to do when I finally, inexorably, catch him on that worthless post count thing?* Hmmm...
You may pass me on the post count, but content? Not a chance!
th..........totally hooey?

JG
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Re: Budgeting for and during ER
Old 06-10-2005, 07:48 AM   #58
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Re: Budgeting for and during ER

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Originally Posted by Apocalypse . . .um . . .SOON
Yeah, so I put duct tape on Martha's slippers ten years ago (I retread yearly).
I loved those slippers, but the bottoms wore out. Still have them. Duct tape and all.
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Re: Budgeting for and during ER
Old 06-10-2005, 09:06 AM   #59
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Re: Budgeting for and during ER

My budget got a boost this week. While doing my errands on my bike, I found, 3 nickels, 3 dimes and 2 quarters. The streets of my city are indeed paved with money.

Right now, the smallest coin I stop for are nickels. If I can easily figure out how to attach duct tape to my front wheel, I would be able to pick up the tons of pennies I pass by, without stopping.

MJ
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Re: Budgeting for and during ER
Old 06-10-2005, 10:45 AM   #60
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Re: Budgeting for and during ER

Quote:
Originally Posted by MJ (still permanently unemployed)
My budget got a boost this week. While doing my errands on my bike, I found, 3 nickels, 3 dimes and 2 quarters. The streets of my city are indeed paved with money.

Right now, the smallest coin I stop for are nickels. If I can easily figure out how to attach duct tape to my front wheel, I would be able to pick up the tons of pennies I pass by, without stopping.* MJ
Good on ya, MJ. Just don't get squashed by a FedEx truck while you're practicing your aerobic stretching. I wish I had a bicycle or car-window attachment that would scoop up the empty cans & bottles laying by the road. (Another Lazy Entrepreneur idea, guys-- just send me your first production model for testing.)

During our evening walks spouse and I stop at a construction lot on our street. (The lot probably sold for a quarter million and the house will cost at least as much. At which point the package will be worth $750K.)

The lot has a worker's picnic table & trash can set up along one side and of course I've been diving the trash can for HI-5 redeemables. We average a six-pack half-dozen containers a day. (Memo to self-- don't hire this contractor.)

Last night the trash can was empty but another trash bag had been set up alonside it and was filled with the empties. I think they've noticed the scavenging and decided to help out an obviously derelict surf bum with his homeless budget.

It'll be interesting to see what's there tomorrow night...
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