WOMEN AGES 50+ FOR NOVEMBER 2023
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So I did not balance my checkbook today. I'm $127 off and I know its some Amazon things that have not cleared, but those sort of things drive me batty! I will try to balance it next week.
Today found the cutest squishy fluffy pillow in the shape of a bowl of ramen. Christmas present for eldest.💖
I also bought a new calendar. Its Japanese block prints photos. So pretty. If any of you have calendars, please send them my way. I make envelopes out of them, or cut photos from them for stationery.💖. Just send me a private message on here and I will give you my address. Much appreciated!
Rebecca
Whidbey
Wa
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grandmallie wrote: »Kim,no biggies in the last year except for new tires and back brakes..it needs new wiper blades but other than that,i take it in for oil changes when its needed and all.
I'd keep it then!
Reassess the situation next year.
Also, a car isn't really an asset, is it? We all know the adage that a car loses a large amount of money the moment it is driven off the lot.3 -
OregonMother wrote: »grandmallie wrote: »Went over to see Tracy and Miles
She thinks I should just keep the car and drive it till it dies..
But I really want to have something that at this stage of the game isn't going to start going to pot and need things done to it all the time.
So im between a rock and a hard place..with buying one i have an asset ,leasing one I don't. I dont want to finance one would rather buy one outright and maybe haggle a bit..but if I don't have a car to trade in.. that makes it all the harder.
Geesh im in a pickle.. any recommendations ladies?I would love to hear what you got. Now i am not flush with money and would have to take it out and pay taxes on it.. but at least I would have a good running car that wouldn't need work for a good long while.
HELP 😆
You and I are of similar ages. I agree with Tracy. Save your money. A car should not be considered an asset because of depreciation.
Flea
Willamette Valley OR
Right!
It doesn't take long for the so-called "asset" to become a money pit.
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grandmallie wrote: »I dont drive very far but im putting 60.00 dollars in the tank every other week.it would be nice to get something with a bit better gas mileage.
Drive less ... or drive more intentionally. I'll often map the route I'm going to take so that there's no backtracking and I'll often park in one central location and walk the rest of the way to several places.
And of course, I use the bus whenever possible.
Fuel is expensive in Tasmania at 2.30/litre ... but not as expensive as fuel in New Zealand!!
M in Oz
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I think I already shared my new car story. I would not take money out of my 401K to buy a new car unless it was a necessity. I like to get a car, keep it 8-10 years, then trade it in. I paid my last one off early and continued to “pay” $500 a month into a sinking fund called “Kay’s new car.” I did this religiously for 4 years. I researched my car’s blue book value as well as looked online at places like car max to see what similar cars were selling for. Dave threw in a little more from his personal savings account where he saves the money he used to spend on beer and cigarettes. I went armed with a budget and knowledge to my favorite dealership where they knew I had not missed a service on my car. They offered me $300 more than KBB. I said I was expecting more because I knew what they could get for it. They wouldn’t budge on the trade-in, but they took $1000 off the car price, and I wrote them a check. My car is in the spoiler.[/
spoiler]
I have zero buyer’s remorse. I love my car. It is a 2024 Honda CRV. It gets around 30 mpg. It is also AWD,10 -
Thanks Barbie for the new month.
I've had two days of not being able to get into MFP. I kept getting a message that either my email or password were incorrect. I changed my password this morning and it still wouldn't let me in but tonight it's working. Here is hoping November is a good month for all.
Betsy in NW WA6 -
Hi Friends.
I'm still trying to catch up with all the past posts, but wanted to pop in here to wave 'hi'. Also wanted to let you all know that Dan Harris is speaking at my church this Friday night. I will be there, and you can watch via online access. Requires a ticket, so I put link in spoiler.
Thanks for all the great photos of family, fur babies, all your fun times. Love you all even if I seem to be more of a phantom these days.
I continue to work many great events in my part-time job. A very good friend of mine from high school came in from California for a girlfriend weekend at my place. We saw two great concerts: Stewart Copeland (drummer for the Police) and the Eagles. Did As much sightseeing as we could cram in over 4 days. Our friendship feels as tight and aligned as ever, and I hadn't seen her in 17 years.
My sweet gentleman continues to bring light into my life. We agonize about the long distance apart, but then as soon as we make plans to meet up, we go into giddy expectation mode. He will be here on the 9th for 5 days. Staying busy definitely makes the time go faster....
Stay well. We can do this.
Rori
Colorado Foothills13 -
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More colouring ... mostly with gel pens ...
Cycling today ... actually 10 km, but for some reason part of the ride didn't record.
Cycling yesterday ...
Machka in Oz
6 -
We survived the night, though at one point I thought the roof was coming off. Fences still standing.
I wonder whether Max will make it over.
I haven't looked at the aerial yet.
I just shoved my ear plugs in hard and got around 5 hours sleep. Found myself obsessing about the online tax return. I will try to make a bit more progress today. I hate any kind of form, and online ones are the worst. I wouldn't be doing it, if I hadn't missed the paper form deadline.
Love Heather UK xxxxxxxx6 -
Allie-I agree you need to do what is right for you. I personally would be nervous about pulling out of a 401 k for car-but I don't know your overall financial situation.I purchased my new CRV after my much older Toyota Rav and a rear end accident. The vehicle was getting old and I didn't feel comfortable. Went car shopping with son, bought the same car he did (different color) on impulse and sense of discomfort with current. After having it for a couple of years (maybe 4?) I really did not like how the seat felt-much too hard for me, just not comfortable driving. I still drive a goodly amount each month to Columbus for work (100 miles average round trip) and a decent drive to see grandkids). Mileage wasn't an issue-it was my hips! They were replaced but I wanted comfort. Come 2021 they were giving a trade in just shy of equal what I paid for CRV and found my Subaru. I have a much smaller car payment now and am happy with choice. I got 0% financing for three years and am still paying it off sooner. I plan on it being my last new car. While I did not need it I am happy with my choice and view it as part of my retirement plan.
Heather-glad your house survived the storm! I don't quite understand the UK tax system, but I would hate to miss a deadline-glad you are addressing issue.
Rori-your life sound so rich and exciting.
Rebecca-except for utilities (which come from bank account), I make all other on-line payments with credit card then take that payment out of checking. It is an extra step but I feel safer that way (doesn't mean it is) and makes for easier balancing for me.
Pip-good luck with the Marathon. I think it is terrific you are participating even if you don't feel your training is where it normally is.
All I can think of now. Need to get ready for the day. Going to Columbus for meeting, but with a good group. Will take some personal time off after meeting (have to use some vacation time).
Take care all,
Ginny in Ohio
7 -
On the east coast of Ireland, we are right in the eye of Storm Ciaran, so it’s still and bright outside. It seems to be circling the British Isles anticlockwise, which is why Heather is getting the gales.
I have Shakespeare Study Group after lunch, and I need to do my Latin translation for tomorrow. Otherwise nothing crucial to take care of.
☘️ Terri
3 -
drkatiebug wrote: »I think I already shared my new car story. I would not take money out of my 401K to buy a new car unless it was a necessity. I like to get a car, keep it 8-10 years, then trade it in. I paid my last one off early and continued to “pay” $500 a month into a sinking fund called “Kay’s new car.” I did this religiously for 4 years. I researched my car’s blue book value as well as looked online at places like car max to see what similar cars were selling for. Dave threw in a little more from his personal savings account where he saves the money he used to spend on beer and cigarettes. I went armed with a budget and knowledge to my favorite dealership where they knew I had not missed a service on my car. They offered me $300 more than KBB. I said I was expecting more because I knew what they could get for it. They wouldn’t budge on the trade-in, but they took $1000 off the car price, and I wrote them a check. My car is in the spoiler.[/
spoiler]
I have zero buyer’s remorse. I love my car. It is a 2024 Honda CRV. It gets around 30 mpg. It is also AWD,
Kay - I think this is brilliant. And by paying monthly for a "ghost car" a person can get a sense of how a new car payment would impact the current budget.
Lanette4 -
Allie: Have you considered the insurance costs? I have a 2007 Honda Accord with 169,000 miles. I had another Accord that I drove to 190,000 miles. I understand they can go much higher in mileage. The insurance would really jump to 140 to 200 a month if I purchased a used Toyota Camry which is what I would like to purchase. Mainly because the dealer is closer to my house. I am really spoiled by the lower insurance payments I have now. Maybe you can split the difference and take half from your 401k and have a small monthly note if the financing is low enough.
Best,
Rosemarie from Georgia3 -
My son brought Max over. Although it's damp the worst seems to have passed over. Here's hoping. It was scary last night up in the eaves.
Had a lovely long chat with G this morning.
Love Heather UK xxxxxxxx2 -
4554550
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Morning all, from the freezing cold, pre-dawn November morning in the Arkansas River Valley.
Rori darlin' - Always good to see you pop up, no worries about ghosting us. So glad your gentleman friend is still making your heart sing.
Rosemarie - I thought I'd be paying out more for my car insurance too, but I'm actually paying less. When I removed the 2014 Passat and added the 2019 Kicks to my insurance, they said there would be a $34 refund coming back to me, so it was slightly more expensive to insure the older car. Not sure why.
KatieBug - That is the best scheme for saving for a car that I've ever heard of, supremely practical!
Pottery class this afternoon... trying to get over my ingrained aversion to being anywhere but home, but as usual, I'm just a big fat dreader. Doesn't mean I won't go, just means I'll be feeling sorry for myself until I leave for the class. I'll get over it as soon as I walk in the pottery studio.
Other than that, just doodling. Hope everyone's good as the week winds down, and ready to come out of Daylight Savings Time this weekend in the U.S. Corey will be driving home from work in the dark by Monday, bless him. He always loves getting that hour of sleep back on the day of the time change, though.
Later my dears,
Lisa in AR
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When we moved into this house, it had all the appliances, none of them very new. That was in 2011. Since then we have replaced the stove, refrigerator, and dishwasher and I have thanked the washer and dryer for staying strong. Tuesday night the dryer did something that announced that it was dead. We decided that we could have it repaired (maybe) or we could buy a new set and enjoy them now. We made a list of what we needed and then searched online to find what fit our needs and our budget. We found an LG pair from Costco that they will deliver on Saturday. The other possibility couldn't be delivered for at least two weeks.
A neighbor was talking to Jake and said to let him know if there was anything he could do for us so Jake said that they could let us dry some clothes in their dryer and the neighbor told him that there were laundromats in town.
Allie, Take your time with a car purchase. Whether you put down a lot of cash or end up with car payments for years, it is a major impact on one's life. I know that there are all sorts of things that you love spending your money on and the cost of a car will have a huge impact on that.
When we bought our car in July, we had been talking about buying a car for over a year. We had savings and sufficient income to make the purchase but I resisted because our current car was in such good condition that it bothered my thrifty soul to trade it in before we needed to.
Barbie in NW WA4 -
Good morning ladies!
Allie look at the monthly cost of insurance plus car payment plus gas. Avoid paying a $500 a month car payment to save $20 a month in gas.
Maybe getting the car painted or getting new seat covers would help your satisfaction without breaking the bank. And this answer is none of my business, but consider is your alimony going down when your ex retires? I just have a vague memory of that issue coming up before. Lastly, are you saving for another cruise? Will a car payment prevent that? Lots to consider.
Heather glad you are weathering the storm.
Rori, good to hear from you. I often think about you as a marvelous example of life after caregiving.
Have a great day my friends!
Annie in Delaware4 -
One more thought - a car is an appliance, not an investment. Having a fancy car is like putting a couch in an elevator. You need something reliable that gets the job done. Any upgrades after that are "wants" not "needs". Of course, it's your decision, and maybe you have the money for this "want".
Hope that is helpful. Annie4
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