Frugal Retirement Living is all about cheap alternatives to "normal" retirement...whatever normal means.
There are health issues...Alzheimers disease...that can derail the best laid plans of the potential frugal retiree.
Certain things you can control some you can't.
However if you do not take care of yourself these alternatives can be problematic...
For instance if you have health issues due to no exercise and a poor diet, you may be reluctant to consider retiring overseas.
If you have a heart condition and you are living aboard a sailboat, you wouldn't want to have an heart episode in a beautiful but secluded anchorage in the Grenadines.
This is a small harbor in Carriacou, North of Grenada.
Poor health reduces your options for retirement, frugal or not.
Here's the point...the best thing you can do to ensure a fulfilling retirement is to make your health your number I priority. Getting exercise and eating right does not cost much. A lot of it is free.
Whatever I do spend on health items I consider cheap health insurance. You should too.
If you have found the site interesting but are overweight with no intentions of regular exercise, you will find retirement not much different than...ugh, working. If you smoke...please quit...right now.
I will get this off my chest up front. I do not like insurance of any kind...it is a necessary evil in my opinion. I have it to protect my family from a catastrophic illness that could quickly take all of our remaining assets.
Since I don't like insurance I sure don't want to waste money on what I do spend on this necessary evil. Research, Reseach and research some more.
My wife and I pay $300 a month for health insurance with a $10,000 per person deductible. I did my homework and believe me this is the best we could do.
In Mexico what we pay in a month in the US would take care of our medical bills for a year. Is it any wonder a million Americans have retired there?
If you are still here (the US) like me, you need some coverage. Hit the link above.
At least 30 minutes a day, 3 to 5 times a week, you should be doing cardio exercises. Weight training and strecthing is also important on a regular basis.
If you already do this great, if you don't start now. Check with your doctor first.
Fast walking doesn't cost anything the last time I checked. I do not reccomend running do to the impact on your joints.
I am fortunate to have a wonderful fitness center where we live in Arizona. You don't have access to a gym, no problem .I used to work out at home watching TV while I used a Nordic Track.
My routine 5 days a week is 30 minutes on an elliptical machine that is no impact on the joints. I am there at 5AM...I don't have any excuses that time of day... I do weight training 3 days a week, core exercises. I finish each session with strecthing for 5 minutes.
I used to have chronic low back pain, brought on by golf. I have followed the above regimen religiously for over 2.5 years...guess what, no more back pain...Duh... why didn't I do it sooner?
My bride doesn't get up at 5AM, but walks at a brisk pace for an hour, 5 days a week. We both are healthy and enjoying retirement...so can you.
Why do we do this? It is the cheapest health insurance you can buy. Big Dr bills will keep any one from enjoying frugal retirement living.
I am not trained in nutrition. I am trained in common sense.
We all know how to eat right...no fast food...fruits and veggies...stay away from the interior of the grocery store.
We know how to eat right, but most of us don't.
If you ignore your diet it will lead to health issues that will reduce your options for frugal retirement.
The easiest way to control what you eat is to eat most, in our case it is about 95%, of your meals at home. The same simple breakfast, cereal without sugar or oatmeal is great way to treat your body and keep you fine tuned.
If you still work, pack your lunch. Whole grain bread sandwiches. Bring fresh fruit...treat vending machines like a rattlesnake.
If you like vending machines, you may need a dentist... If you can't make it to Mexico and need dental insurance, here is what we recommend.
I take them and probably have very expensive urine...I don't care.
Here is what I take and where I buy them
But you don't have to spend any more than necessary. Again research, research and more research before you part with your hard earned money.
Health is priority number one to enjoy frugal retirement living. Whatever you spend for health issues, make sure you have researched before you buy. It's the frugal, cheap way to do things. We have watched these expenditures closely for 34 years. You should too if you want to retire.