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MOMMA48's Photo MOMMA48 Posts: 768,741
12/16/19 11:28 P

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First--I thank my parents as that was how I was raised. My parents farmed while I was growing up, so I saw the hard work they put into providing for our family. They knew the value of a dollar and how to invest along the way. Plus, we always had a large garden, my parents loved to fish, Mom prepared recipes from scratch, alot of my school age clothing was handmade by Mom (always loved to pick out the pattern and material of what she'd sew for me-as I preferred it over store-bought clothing, which all looked the same). Always being prepared for the future, living comfortably and passing the same values down to us. I started working at an office part-time during my senior year of school, and then went into the legal field as a paralegal--which I decided to end a few years ago, and now work part-time at a large retailer. With retirement fast approaching, unsure of our future financially in ways, but also looking forward to passing the same values and investments to our son, same as my parents did for me. Doesn't have to be a lot--enough, hopefully, to give the next generation a good start on providing for their family.

Edited by: MOMMA48 at: 12/16/2019 (23:33)
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TRUEPEACENIK's Photo TRUEPEACENIK Posts: 1,190
12/14/19 3:50 P

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Iím so grateful that you are sharing your stories.
Iím excited to see new to me names posting, as well.
Our team leader is in bad health and Iím trying to keep the team struggling along. So thank you, and please keep posting.

I think it helps if we know why we are doing something. Especially when itís a long term thing.
Be it diet, finances, a particular job, even a particular relationship. Knowledge and awareness shine needed light.

Wake up every day knowing you make the decision to begin your journey anew.

This choice in this moment defines now.
What is your now?

Making do or saving every cent you can? Join us on team LIVING LIFE ON A SHOESTRING teams.sparkpeople.com/LLife


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GOALCXXV's Photo GOALCXXV Posts: 6,083
12/13/19 12:06 A

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I am recently widowed so am down to one source of retirement income. We moved before my husband passed away, so I am in the process of selling one house. That means 2 heating bills, 2 electric bills, 2 mortgages, 2 homeowner tax bills, ... It's getting pretty tight, so I hope that our house sells soon.


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SUGARSMOM2 SparkPoints: (289,614)
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12/8/19 6:45 A

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husband retired and now we live on social security and pension from his jobs. he got two of them. then a federal judge took one away for the good of the company. it was only one hundred bucks a month but they needed it more than us. so we keep our grown daughter in all her extras. she is divorced and needs help. so I live on a shoestring to make ends meet

sugarsmom2 donna wva


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PATTYMCGRAW's Photo PATTYMCGRAW Posts: 151,645
12/7/19 6:46 P

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I was a single Mom to 2 daughters for years. I was a waitress and put my girls through Catholic school. When I remarried, I worked for my husband who never gave me money for anything. I got really good at living on a shoestring.

God grant me the serenity to change the things I can, to accept the things I cannot change, and the wisdom to know the difference.


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12/7/19 11:44 A

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You have had a different life from me.

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TRUEPEACENIK's Photo TRUEPEACENIK Posts: 1,190
12/7/19 11:24 A

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For myself, Iíve never had great earning power. I was a mom in college, went into a fulfilling but not financially bountiful career. One of three, I might add.
Before school, I was stay at home, no side business. My job was to make my ex partnerís paycheck go as far as possible while taking care of our infant/toddler son. We split.

I remarried when my son was 4. An artist. Who kept a part time day job, too. But importantly, he watched the kiddo while I was in school and working.
I had no child support, no government support until ACA.
He gambled. Sometimes he hit, and paid months of rent. What I didnít realize was he was draining our savings to finance his gambling.

Now, as an empty nester and single again, I chose to house share, lowering my housing cost to 50 percent of the local average.
Iím paying off a car, my only expense of note aside from housing.

My goal is an emergency fund, a six month expense fund, paid off car, and down payment on a house within five years. Itís possible my son and I will invest in something like a duplex/triplex/small apartment house. I will be on premises. My retirement will likely not be in the US. Iím investigating buying a house for my retirement, that would be a vacation rental until I needed it.

I must watch, if not pennies, nickels. I allow small extravagances, I have a couple streaming services, only one is a business expense, as itís bundled with my music service. (Iím a massage therapist). My car use is 70 percent business, according to my mileage notes. (Iím a mobile massage therapist. Routine stops are worked into the dayís travel.)

My spending hotspot is dining outside of the home.
Itís my main habit to reform next year.
I wrote a blog post on resolutions and affirmations.


Wake up every day knowing you make the decision to begin your journey anew.

This choice in this moment defines now.
What is your now?

Making do or saving every cent you can? Join us on team LIVING LIFE ON A SHOESTRING teams.sparkpeople.com/LLife


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12/7/19 11:16 A

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I hate waste in any shape o form.

Dhaka, Bangladesh
TRUEPEACENIK's Photo TRUEPEACENIK Posts: 1,190
12/7/19 11:04 A

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Please tell us why you are frugal.


Wake up every day knowing you make the decision to begin your journey anew.

This choice in this moment defines now.
What is your now?

Making do or saving every cent you can? Join us on team LIVING LIFE ON A SHOESTRING teams.sparkpeople.com/LLife


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