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Posts Tagged ‘retirement’

I have been talking to myself a lot lately. Usually when I talk to myself repeately, it means it’s time to update my blog. I just realised that I haven’t written since February. Where to start?

My little white Nissan, Melody, was hit by a snowplough. She was parked across the street as I couldn’t park in the parking lot (the snow was being cleared). The plough driver was coming around a corner and didn’t lift up the blade enough. Shattered the back windscreen, the two driver’s side windows, sheared off the drivers side mirror and gouged all along the driver’s side. I don’t believe I would have survived the accident if I’d been in my car.

At any rate, with some back and forth with the provincial insurance company and the city, I received a payout that more than covered the car loan. Excellent. For two weeks I was debt free! I then debated about whether to apply for another car loan as I had found a used car, excellent deal, online. I wasn’t sure if I wanted a car loan or a line of credit.

I have struggled with my finances most of my adult life. I couldn’t figure out why I was in my fifties and losing sleep about retirement, etc. Then I found K. Kenneth Davis, also known as “The Trans Capitalist“. He wrote an e-book, “The Money Talk” which, seriously, changed my life. It helped me understand that my ideas of financial success and freedom were outdate and were wrong for me. Check this man out. Seriously. You can find him on Instagram and Facebook.

I decided to apply for a line of credit, so I could use that once my “new-to-me” car “Hope” is paid for. It may come in handy when the time comes to buy that cargo van! I was approved for the line of credit ALL BY MYSELF, and “Hope” has come home to me. I’ve been picking up things here and there for her to make her into a micro-camper for days off and vacations. More on her in another post.

I’ve started simplifying my life. I started with my kitchen. I had too many gadgets that seemed like a fabulous idea, but were never used. I had way too many drinking glasses. I had wine glasses and I no longer drink alcohol. So they have been donated. I still have one very fancy heavy-duty wine glass that use to drink my sparkling water, when I’m feeling fancy. Most of the time I drink it straight from the Soda Stream bottle.

I’ve donated most of my shoes. I have five pairs left, three pairs of boots (one pair of winter boots, one pair of rain boots, and one pair of dressy boots. I pared down my handbags. I pared down my luggage. I continue to pare down my clothes. I took a swoop through my closet this weekend and I think I’ll be doing it again in about a month.

I read an article about a woman who wore the same dress for 100 days. At first I thought it was kind of gross, but the more of the article I read, I began to understand why. I have clothes in my closet for “just-in-case” purposes. I haven’t worn them in years. I have a number of blazers, all of which I like, but only wear about half.

Where is it written that we can’t wear the same ensemble over and over? I mean, truthfully, I do wear the same outfits over and over. When I do buy clothing it’s usually to replace something that has worn out or no longer fits. There are a few things I have learned through this pandemic. One of which is, I am NEVER AGAIN wearing a garment with a fitted waist. No thank you.

At any rate, I’m not striving to be a true minimalist, rather, I am striving to have a simpler, less-cluttered life. I want to be surrounded by things that are useful and also things that are beautiful…things which bring me joy.

I will put blogging into my calendar so I am more regular at doing so. There’s some interesting things happening with Sir Vincent, including an ongoing debate about whether or not it’s acceptable to stand in my ear to see out the window in the middle of the night. Sometimes multiple times! I sleep on my side, hence, he stands on my head, his paw in my ear.

Anyway, do please check out K. Kenneth Davis, The Trans Capitalist. He may well do for you, what he did for me. Buy his e-book and take a long, loving look at your finances. Maybe you’ll decide, like I did, that I don’t need more money, I need less stuff. I don’t need a big house to call a home, I can create a home on wheels. Etc.

I had the opportunity to talk to Kenneth about money. I was a total geeky fangirl when he approached me to talk about my reactions to his e-book. We were having a fabulous conversation about shame and money when technology failed. Isn’t that ALWAYS THE WAY? So, I’m hoping we can chat more about that. He has given me the confidence to understand that it’s never too late to learn about money, and budgets, and debt, and savings, and expectations.

For that, and for him, I am incredibly thankful.

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