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Old 12-01-2015, 04:03 PM   #41
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Originally Posted by dirt_dobber View Post
I do think this is what I am experiencing.
The spending does appear to be slowing now that I pause a bit and think about what I am going to spend money on.
Although there is a - buy 1 get 1 - pizza special that is calling my name tonight...
Hey, if I can learn to make awesome pizza for a fraction of the cost, you can too! As she says in the video, this is time consuming, but it is not difficult. You have time.

Homemade Pizza Recipe - Laura in the Kitchen - Internet Cooking Show Starring Laura Vitale
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Old 12-01-2015, 04:29 PM   #42
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Originally Posted by dirt_dobber View Post
I do think this is what I am experiencing.
The spending does appear to be slowing now that I pause a bit and think about what I am going to spend money on.
Although there is a - buy 1 get 1 - pizza special that is calling my name tonight...
I've been surprising myself with the "new" frugality that has taken hold of me in ER. For something like your example of ordering pizza, I just consider the alternative of not doing it. Pro, is of course money not spent. Con might be foregoing the pizza, but conjuring up a meal from 'freezer foraging' can be interesting and even entertaining. Seems like a simple example of course, but trust me, in my lifetime I've only met one pizza I didn't like so I can relate to that urge (never again tried anchovies on anything).

As to unexpected expenses, trust me they will come up, dental has been our Achilles heel. Crowns falling off, periodontal issues leading to gum surgery, and a chipped tooth. Self inflicted expenses that are not essential and therefore are controllable shouldn't really be considered unexpected in my opinion.
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Old 12-01-2015, 04:49 PM   #43
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As to unexpected expenses, trust me they will come up, dental has been our Achilles heel. Crowns falling off, periodontal issues leading to gum surgery, and a chipped tooth. Self inflicted expenses that are not essential and therefore are controllable shouldn't really be considered unexpected in my opinion.
Good point. We also had two crown replacements back to back.
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Old 12-01-2015, 08:16 PM   #44
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I don't worry too much about the cost impact of the pizza (health impact is a different story!). If you're talking about the domino's 2x1 deal, that's a lot of food for $14 or so. We make pizza at home and can't beat the cost by much once we load it up with pepperoni and whole milk mozzarella. It's also about the same cost as a take n bake deli pizza from Aldi.
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Old 12-02-2015, 12:41 AM   #45
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We spent more in our first year of ER than we had in the year just before we retired. But we expected that.

I wouldn't worry about overspending over such a short period. Expenses tend to be cyclical with some months higher than others

Be careful not to exceed your annual budget since the first few years are critical to the long term survival of your portfolio. Overspending is the same as a lower return on your portfolio. We pay a lot of attention to our rolling 12 month spend.
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