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I thought if we each listed what we thought were areas where we could improve our spending habits, it might help us to look at in writing. It could be a new year's resolution:

My New Years resolution is to stay away from bargin stores and special sales. I always buy things I don't need.

I will buy what I need, when I find it on sale. So I could make a list of things and then buy it when I see it on sale.

I need to stay away from chinese auctions. I buy too many tickets.

I will make donations instead of buying things I don't need for a fund raiser. This way I will avoid buying overpriced junk just because I think it is for a good cause.

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I thought if we each listed what we thought were areas where we could improve our spending habits, it might help us to look at in writing. It could be a new year's resolution:

Mine is to get our credit cards back down. I've had to run them up for various reasons.
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By just using my credit card when absolutely necessary. I did use it for everything to track expenses, but found this was ineffective. I'll write a check or pay cash, and only use the CC when I have no other way to pay for something (like if they won't take a personal check).
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I posted this over on the Retire Early Board awhile ago in response to a fellow who said he had a great time helping out with his childrens' theater group, who presented "The Hobbit". Early retirement has given me the chance to slow down and enjoy my Grandaughters more than I enjoyed my son, who was a wonderful little boy. He got shortchanged some and so did I because I was builing a career, and supporting us as a single parent. He still turned out well thank goodness.

Here is an account of some highly enjoyable activities with my Grandaughters that cost almost nothing. The memories are priceless.

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I think it is just wonderful that you are enjoying the company of your children so much. There really is nothing like that magic, and the time does pass very quickly. They will be grown up with jobs so soon.

I had my little Grandaughters ages 4 and 7 over for their first "sleep-over". We had a sumptuous candlelit dinner, chicken pot-pie, vegetable stir fry, and fresh blueberries with ice-cream. Then we went for a walk in the neighbourhood looking at all the great displays of Christmas lights.

We potted up my amarylis bulb this morning, and they sat for awhile on their little chairs in front of my fireplace in the kitchen after breakfast. Then we built snow bears in the garden.

These were all very simple things, but I count myself very priviledged to be able to enjoy them, and I am very thankful that I do not have the pressures of work anymore.
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