The Adventures of Moving to Idaho Part III Finally Home

Well, once again it has been a while since an update about our moving to Idaho experience. We now have a home, and wow has it been a busy 2 months. Projects galore, but they are almost finished. Since the last post, we have had the whole place painted, a pellet stove installed and ready for winter to arrive, a new french door will be added hopefully soon, and last but not least new countertops will be installed all in about another month. Starting to get really excited and relieved that it will all be done soon, and we can finally settle in for whatever the winter months may bring. Oh!, and I have to add that new gutters and downspouts have been added all around, boy are they nice.

Finally, I can say I am home, things are starting to calm down, and we can finally breathe, take a look around and take it all in. In just a few short weeks the countertops, and the French Door will be installed and the kitchen will feel more complete along with an island that will complement the table we have had since last year. I will be so glad when this phase is over and we can finally settle into our new little part of the world that is called Nampa, Idaho,

Until the next blog,

Leslie

 

The Adventures of Moving to Idaho-Part II

Well, It’s been a while since I have filled you in on the move to Idaho. I don’t think I have felt this exhausted in a while, it has been such a whirlwind of excitement. Last time I talked about the process of actually purchasing the home, but now we have finally moved in and it feels great to have my own space once again. The projects have been happening and are in full swing, it is just crazy and I am still lacking sleep because of the painting that is taking place right now as we speak except it is night, but they will be here bright and early in the morning to begin again.

I would like to say that it is best to have painters come in before you ever move in. That would make your life so much easier, but in my case that could not happen, because we had no home and it got rather stressful living with family although we were very thankful we had them to fall back on thank you, Carol and Toni, we could not have done this without you. Anyway, the painting should be done within the next couple of days, and then the french door will be coming next, then the pellet stove and then we should be all finished with the major things and we should be able to relax and enjoy the fruit of our labors.

In closing, I would like to tell all of you who read this blog, that I am grateful and thankful for all of you who take the time, so please leave a comment below with thoughts and suggestions that would help me to create enjoyable content. Once again I thank you all!

Until next blog,

Leslie

The Adventures of Moving to Idaho Part 1

 

Hey you guys!, it’s been a while since I have posted on this blog, bet you thought I was gone, but not so. There has been a lot going on since my last post, and I want to take a few minutes to share. If you have not heard me on Social Media platforms, we are moving to Idaho from Oregon. Needless to say, it has been a ride. We have learned a lot about moving and buying a house in another state that I would like to share with you so you will know how to handle each situation as it makes its appearance.

First, do not put in an offer on a house if you are under a contingency. Sellers do not work with you well unless they are sure you are going to sell, and they are never sure and neither are you. Chances are it will not go through and you will be left disappointed, make sure you are free and clear to make your offer with no strings, it will save you heartache in the long run.

Second, make sure you go to visit your property, do not make an offer based on the pictures you see online, the pictures online are not what you actually see when you go and physically visit your property in person. Real Estate photos are posted to make the property appear in better condition than they really are most of the time, and they only take partial pictures of each room and it is not always clear what you are seeing.

Third, make sure you do an inspection on your property before purchase, and go over the inspection report completely. This is the time that you can get the seller to fix and repair everything that you don’t want to do when you move in. We had an offer on a house and if it wasn’t for the inspection we would have had an expensive mess on our hands, so please examine your inspection report diligently, it could save your pocketbook.

Until Next  Blog

Leslie

Planning for the Future

What if you or your spouse were to pass away unexpectedly? are you prepared to move forward with your own life if it were to happen?  If not, now is the time to make the necessary preparations for it, because it’s not a matter of if, it’s a matter of when. If you don’t have a will, or better yet a Living Trust, when death comes it will leave you in a most unpleasant situation financially and possibly your loved ones as well.

I want to tell you a story about a friend of mine who is going through that right now. My friend, we will call her Jane lost her husband at the tender age of 58 due to cancer.   That is such a young age to leave your family. Jane is not only left grieving but has to now deal with difficult financial situations that could have been avoided if they had taken the time to do a little financial planning. One day my husband and I had lunch with Jane, and the very first thing she said to us is “Make sure you have a Will”,  in which we agreed.  We discussed the situation she was dealing with, and how she had an appointment with an Attorney that day, and how he was suggesting things she needed to do now but was really no help to her now. She was frustrated and still did not have any clear direction.

It is important to plan for the future as early as possible, while many believe they have lots of time to get this very important part of financial planning done, it is wise to consider it while you are young because you are working and can save up the money to take care of it and have it out of your way. You never know when you will be affected by the death of a love one, take care of the ones you leave behind so they can grieve without worry of how they will pay for things. It has been probably 6 years ago when we decided to have a Living Trust prepared, we found a good Estate Planning Attorney to take care of it because they know how to instruct you and show you what you need to cover. The cost at that time was $1500.00 dollars which sounds expensive and it is, but so worth it because now if one or both of us die, we know that our wishes will be carried out, and things will not have to go through probate court. In a future blog post, I will show you what the finished product looks like and what we have included in it.

I hope you will take the time to consider how important it is to make the end of life planning a part of your Budget and provide a clear plan for those left behind so that they can make sure that all of your wishes are met easily. I know this is a short blog, but very important.

Until next blog,

Leslie

 

 

Embracing Your Age!

Your age is nothing to be ashamed of, yes that’s right!,  you should embrace the woman who you  are becoming right now. The old  is gone and the new has come.  The new woman who is beginning to emerge as we enter into this new phase of life called “Getting Older”. We have grey hair, we may not be as slim as we once were, but we have so much more wisdom, and we have gained many experiences to share with the younger generation. Some will listen and some may not, but we can move ahead with confidence knowing that we are still intelligent, confident and beautiful women who can be influential in the lives of others.

The last few day’s I have been trying to decide what to blog about this week, and then as I sat in the wee hours of the morning preparing to go to work, I began to write down ideas for this post. I wrote the typical things like Motivation, Time management, you know the same old stuff, then I thought about the aging woman, so many blogs and topics around aging gracefully have been written on this topic, so I thought I would put my two cents in on it as well. I am 59 1/2 as I write this blog, and there are many days that I think about how I have changed over the years, my hair is turning white, my middle is expanding, (but I am working on that), I find that I have a low tolerance for non-sense from other people , my patience is not what it once was. Now!  with some of my flaws out in the open lets talk about this next phase of life called “Getting Older”, shall we…

This blog is all about retirement, and moving from  working a full-time job to starting a blog and a YouTube channel as a way to express my creativity, and to share what I have learned over the years. I am learning about a side of me that I have never known, and  to see if I even have a creative side, I am going use these platforms to express them with others who are moving in the same direction as I am.  When I talk about  “Getting Older”  it does not mean we lay down our dreams, ambitions, and creativity at the door and never be productive, or learn and grow as women, we need to take the time to reflect on what we have to offer the world and to then ” Let our little light shine” in  the lives of others.

A time of reflection, is a key element of “Getting Older”, it is time to sit quietly down with pen and paper and take stock of where you want your life to go. Like I said in my previous post, Don’t let life’s circumstances dictate the direction of yours, you are the master of your one ship, if you will… there is still a lot of life to live yet. You  may going through a difficult season in your life, but you are stronger than you think you are, and with a little motivation and drive, you can get thru anything. Just push through.

Motivation,   How does one gain perspective on this concept? There is a lot of  information on  the topic of  motivation out there, and it’s all good information about how to get it, but  if your like me, I  can listen to all of the motivational speakers or read articles that are meant to inspire , but there is time when motivation is hard to find despite doing these things. I find that many times motivation is renewed in the quiet moments of reflection and soul-searching to find out what is on the inside just wanting to come out Stealing quiet moments especially in the early morning hours when there is no noise to distract you is the best time to sit alone with pen and paper,your thoughts and prayers, write them down and prioritize them and then start the work.

Time management is  also very important, even when you retire. It should be a little easier to manage time during this phase of your life because you’re not rushed and hopefully life is a little less demanding. When you make your daily to do list, prioritize your time and you will find your time will be utilized better and you will get more accomplished than you ever thought you would.

In closing, this sounds much easier to do than what it is sometimes because we are distracted with many things. There are times when the demands out weigh the times of peace, quiet and solitude, but don’t be discouraged find the time I promise you it will be worth it.

 

Until Next Blog

Leslie

 

What My Blog means to me!

People create blogs for many reasons, to showcase their creativity, in food, fashion, beauty, etc. I started my blog because I wanted to bring into focus a subject that gets a lot of attention on the internet,it is mentioned and encouraged at our workplaces, but many people do not realize just how important planning for retirement really is. It’s not just about the money.. no, it is so much more than that, it’s about making sure that all of your financial ducks are in a row, and making sure that your family members have instructions on what is to be done if you should die.

I am planing to leave the workforce and retire at the beginning of 2019, and if I had not prepared for this moment, It  would be not have been possible, because I would still need money to survive, being able to retire early does not happen by chance, it takes years of mental and financial planning, from an everyday Budget to manage monthly income , to Retirement and  Estate Planning,  which I have put all of these things in place for this moment when I can say good-bye to the Corporate world, and move into the next phase of my life. I am so excited, that I am finally here and am anticipating its arrival.

Since I began working I’ve  always had a focus on retirement , but for the longest time I just could not seem to gain momentum because of circumstances that I thought were beyond my control would get in the way. In my 30’s I got a divorce, had troubled kids, and still found the courage to get a good paying job that would take care of us, and afford me the ability to set aside some cash for retirement, but there was still a hurdle to jump over, I could not invest for 5 years, because I was not eligible to participate until I had been with the company for 5 years. When that time came, I began a 457 plan and began depositing  3% at first,  the company policy was they would match my contribution. For every 3 dollars I would invest, they would give me 2. I thought that was a pretty good deal, and it paid off. As time went on I would increase my contribution with every raise I got.

I continued to work, and after many years, 21 1/2 as a matter of fact, I found another job I wanted to take in the same field, so I accepted the job and moved to Oregon. When I left, i started taking my pension from the previous company, I could not see a reason to wait, which I am glad I did it this way  When I started the job in Oregon, I started a 457 plan again and began to save as much as I could for how ever long I was going to work here plus their pension plan began immediately, it was a 401b plan,  which they deposited a determined amount every month.

It is approaching 26 1/2 years, and I am hanging up my hat, but I don’t plan to stop working, I created this blog, to help others to understand the importance of Planning for this day, to be able to make the transition as smoothly as possible. With all of this being said, you don’t know what tomorrow will bring, and we can’t control how the economy will respond to what’s going on in the world, but we can make our  plan for today, to make tomorrow easier if it’s at all possible.

Until next blog

Leslie

 

 

 

 

Why I am Choosing to Retire Early

 

This year will mark an exciting time for me. I am preparing and planning to retire in a few short months from today at 591/2. I know that most people wait until they are 62 or 65 to retire, waiting for their Pensions to get bigger, or Social Security benefits to get the maximum benefit possible. As for me, I am not sure that Social Security will be available when I turn 65, and Medicare, well that’s another blog post for another day.

I personally am not choosing to wait but will document my journey as I 2018 comes to a close and 2019 begins in full swing, I believe there is more to life than working a job you don’t enjoy.

If you’re in a job that is not fulfilling, and you feel that you need to enter another chapter in your life, it may be time to start thinking about other alternatives. With a little research and planning, you may be able to leave and do what fulfills you. I don’t intend to stop working, but to pursue things that bring joy to my life. I am excited about what is to come. Please engage In the conversation, What are your plans for your retirement? How do you plan to accomplish your goals to get there?

Until the next blog

Leslie