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Old 06-24-2010, 11:45 AM   #21
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We have been tracking our expenses since retirement in 2002 and the run rate to 2009 was +4% a year. We did all the normal downshifts like VOIP for LD (MJ) and pay as you go plans for cell phones. We also share satellite service between our two homes. When we leave to snowbird, our high speed internet drops from $49/mo to $2.99 (website and email address maintenance).


Our pension is not COLAd so we were concerned. But if the portfolio resumes it upward trajectory by 3% over our infaltion, we should be able to live forever!
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Old 06-24-2010, 01:35 PM   #22
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I'm sure that in the past my personal inflation rate has been different from the CPI. However, I have trouble with a long term projection that says I'll be higher than the CPI over an extended period of years. I don't know which items within the CPI will be more or less important to me relative to other consumers. So I just use CPI as "expected" and a percent or two above as "bad scenario".
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