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Frugal Retiring News, Issue 79,January 2016
January 21, 2016
Dear


2016 already?

Where does the time go... 2016 is upon us.

1st off I am reminded that the recent poor start of the stock market this year is causing I am sure a lot of angst... And believe me folks there was a time several years ago where the 1st thing I did on my computer was write down the total value of my investment accounts.

So my "off the record ", comment... I'm a big fan of Greta Van Susteren... Is don't put yourself through that agony.

If you follow the basic tenets of frugal retirement living you will not be as concerned as the stock market goes through its ups and downs.

Enjoy the cheap gas, with a $.30 a gallon discount, we filled up at a $1.49 at Safeway recently.

The remainder of the stock market setbacks appear to be caused by foreign countries, mainly China, no sense worrying about things that you have no influence over.

You may however want to stay as informed as possible during this election year... It is so easy to say, because it is stated every election year, that 2016 will be in important election... I happen to agree wholeheartedly this year.

Make sure you exercise your right to vote and encourage your friends and family to do the same... An informed electorate should make the right choice.

Notice I say "should"...an informed electorate is another matter.

Frugal Living Tip number One

To celebrate our 41st anniversary Julie and I just got back from a 10 day cruise to Mexico. That was my excuse and I'm sticking to it... We paid $899 a person for the cruise.

I have never spent any time in the Baja with the exception of Cabo San Lucas... This cruise stopped at La Paz and Loreto... cities I had always wanted to visit because the climate is very similar to what we enjoy in Arizona.

My observations are that Loreto is a real gem and a refreshing change from the usual stops that the cruise ships make. A very beautiful city on the water with mountains in the background.

Your frugal retirement reporter was a little surprised when the parking rate by the ship in San Pedro, a suburb of Los Angeles, was raised from $12 a day to $17 a day. We drove, an easy 6 Hour Dr. especially while listening to a John Gresham booktape,

But for $170 we could've spent the night at a hotel the night before the cruise, that offers shuttle service to the ship.

You learn everyday...or you should.

Frugal living tip number two

Our RV renovation project is coming along slowly but surely thanks in part to a highly skilled friend from church that installed the flooring and new carpet.

Our next project is getting up the day night Shade blinds and reinstalling the valances that Julie has modified with a denim fabric.

All of the furniture, has been removed which makes the interior projects go much smoother...however it does not improve the looks of our spare bedroom or garage.

We purchased a 1992 Foretravel Silver anniversary, the exact same make and model that we had until 2005... It is a very well-built and solid coach the cost over $300,000 in 1992. We drove the coach from Denver to Arizona in 2 days in July and mechanically it is very sound.

We may be even able to take a shakedown cruise pretty soon.

The outside of the coach is very tired and we are toying with the idea of taking it to Rocky Point Mexico... To get it polished or perhaps even repainted.

It should be a very good time to take the coach there for work since Mexico is now on our travel advisory list of countries that you should not visit... Should be some good deals on work with less tourist traffic from the United States.

It sounds counterintuitive, but traveling to a country that is on an advisory list, will offer reduced prices for those that do go... Having lived on a sailboat for 8 years we are very comfortable in visiting foreign countries... So there's another money saving tip.

Frugal living tip number three

As far as doing things yourself on your RV on what ever other project you might have. Our 1st stop is always YouTube for instructional videos of how to perform certain tasks.

When we sold our RV in 2005 the vast majority of these instructional videos did not exist.

So when you have a project around the house make your 1st stop YouTube and the Internet, you will be surprised at how specific some of your questions can be answered.

Julie is a devoted Pinterest fan, and has gotten several ideas that has helped her re cover chairs, valances, We live in an age of information so why not take advantage of it?

Frugal living tip number four

In my last issue I mentioned Julie's insurance going up $100 a month and it should remind all of us the importance of good health.

Now Julie and I are very fortunate in that we live in a community that has 2 world-class workout facilities including swimming pools.

I realize that not everyone has access to such a fine facility, but that is no excuse for not getting daily exercise... Even if it is just a daily walk.

When I think about the years that we spent living on our sailboat one of the biggest health benefits was breathing fresh air 24 hours a day... And I mean that literally, the only time we stepped into a closed air condition facility was when we went to Kmart or the grocery store.

So if you don't have an exercise program... Start one and make it part of your life... Spending less on health issues ranks right up there with having no credit card debt as a means to enjoy retirement as soon as possible.

I also lost one of my golfing buddies who I have played literally hundreds of rounds of golf with at age 71, and in relatively good shape, this month. It sure makes you stop and think about your health and mortality, take care of your body it's a frugal lifestyle.

I would say 80% of the people we saw on the cruise ignore their health...not that I am perfect and currently dieting to get rid of the creme brulee I had every night.

Frugal Living tip number five

This morning the odometer on my 1999 Lexus RX 300 turned 236,000 miles.

This points out, one that we were very fortunate in picking out a reliable car to begin with, but two, the importance of resisting the temptation of switching cars every 2 or 3 years.

In the paper yesterday, it was noted that the number of drivers license being issued to people under 30 is actually going down as the millennial's are turning to ridesharing services such as Uber.

Avoiding the cost of a car is really frugal.

Next to a house your car is usually your second-largest expenditure... Taking care of and keeping a car with 236,000 miles spread over 17 years is a frugal tip you should employ and also mention to your children and grandchildren.

PS... We towed the same car 43,000 miles behind RV that did not show on the odometer... That means almost 280,000 miles over the road in one vehicle.

Will we buy another car? Probably, but when we do it will probably be a used car 2 to 4 years old... Where half of the depreciation usually occurs on vehicles.

Frugal Living tip number six

I am grateful to get emails from new subscribers to the newsletter that asked if this is really free... Yes it is free.

However I would ask you you not to use software such as Adblocker, when you visit frugal retirement living... Visiting the sites that advertise on frugal retirement living is the only way I can earn from this site.

So I would ask you to forward this newsletter to your friends and family if you find these tips worthwhile and enable you to save money.

Until next time

All the best.

God Bless,

Gary and Julie

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