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<<My problem is learning how to spend money, as opposed to save and invest it. I've saved and invested for so many years that it's hard to let go and spend it now that I'm retired. I'm working on it, though, and it's a better to have my problem than to not have sufficient financial security in the first place. >>



I've had that problem.

I sat down and wrote myself out a budget, making a point of including ADDITIONAL spending I thought I might enjoy.

For quite a few years that included an expensive cable TV/internet package. However, a year ago I dumped that since I fig8ured it had become a waste of time as well as money ---- especially since the cable plan was heavily larded with advertizing.

The past year I've been borrowing DVDs at the library and using library internet service, where I am now. To get to the library today I bicycle 5 miles one way which included a 400 foot hill.

I have other libraries that are nearer, and a park department building where internet service is available.

Seattle Pioneer
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