Thursday, November 5, 2015

OUR LAST MOVING SALE!: We're Moving to Mexico!

Downsizing, Simplifying, and Moving to Mexico!

Our Sign May Not be Fancy, But it Worked!
     We have decided to become expats! I used to wonder what that really means. Now I have it figured out and we are ready to do it. We have decided to move to Mexico! Our primary home would no longer be the United States of America.
     But we still had two storage units full of stuff. A year ago, we packed all of our stuff into two storage units and moved into our 32 foot Southwind motorhome. We traveled and lived for six months in Mexico (See www.HealthyLivingandTravelinginMexico.blogspot.com ), traveled for a few months in the U.S., then decided to return to Mexico and explore the idea of purchasing a home in Sayulita. We found our dream casita (tiny home) and made an offer. After weeks of negotiations, we had a contract to buy our home. We were so excited to begin our move. Now we had to return to Oregon to deal with all of our stuff in storage.
     A 10 X 30 foot unit was crammed with furniture and boxes of household goods. Another 10 X 10 foot unit was packed with Jon's tools and workshop "furniture". Very little of that was going to fit in our motorhome, so we had to sort everything and decide what we would haul with us and what we had to sell or give away. This was the last moving sale we were ever going to have. But we were finally ready to let go of our beautiful Stickley furniture and antiques. The dilemma was where to arrange the items for showing so we could sell them.
   Thank goodness, our daughter, Michelle, and her husband, Chris, allowed us to move into their rental home for six weeks to stage our furniture to sell and unpack boxes of treasures. Jon started handyman repairs on the house to earn our "free rent". I started posting Craig's List Ads, answering email and phone inquiries about our items for sale, and selling our stuff. 
SOLD! Our Stickley Chairs Went to a New Home
     With limited time before we had to be back in Sayulita for the closing of our sale, we reduced prices weekly to "move the merchandise". September and October weather was sunny and warm, perfect for our weekend garage sales. As I unpacked a box of stuff, I sorted out what would go with us in the motorhome to Mexico, what we would give to family members, and the rest went out on our garage sale tables. What a relief it was to let go of all of this excess stuff! 
Moving Sale Eliminated Excess Stuff (NOT the RV!)
     I was so busy unpacking boxes, sorting stuff, loading the motorhome, and selling furniture that I didn't have time to babysit the sale of things I displayed on the driveway. I made price tags like the one below, with price points from 25 cents to $50 and stickered the merchandise as I put it out on the driveway. It was fun to see how much money showed up under our door mat. It showed that the majority of people are honest and would pay for whatever they took. The best part was I didn't have to haggle over prices!
 Our Unattended Moving Sale Price Tags
     It was so great to be living near two of our children and their families during this six week downsizing marathon. We were able to spend lots of time with them and get to know our two youngest granddaughters better.
Precious Time with Daughter, Michelle & Granddaughter, Juliet
Halloween Costume Shopping with Granddaughter, Brooklyn
      We knew it was going to be hard work to clearance our excess stuff, but we weren't prepared for how exhausting it would be, both physically and emotionally. Yet, it was all worth it. Every time a large piece of furniture was sold, we knew we were one step closer to simplifying our life. Soon we would be trading our expensive and chaotic life in the U.S. for a relatively inexpensive and tranquil life in Mexico.
This Nice Couple Bought Our Stickley Dining Room Set
Gary Purchased My Beautiful Roll Top Desk
      Michelle and Chris helped us even more by purchasing our Stickley Prairie Bed. Yes, we sold it, rather than give it to them. Each piece of furniture represented dollars we needed to retire in Mexico, and they understood that. (We did give them a nice discount on our bed and threw in several other pieces of furniture as a small "Thank You" for allowing us to live in their rental home free of charge.)
Chris, & Jon Load Our Stickley Bed into the U-Haul Truck
     Finally, the only furniture left in the house was a sheet of plywood across two sawhorses, doubling as our desk and dining room table, and two yard chairs that Michelle and Chris had loaned us. We knew it was time to clean the house, climb in our motorhome, and head for Sayulita, Mexico!
Our Table & Desk--A Sheet of Plywood Across Two Sawhorses
     Jon strapped an extension ladder, a step-ladder, the two sawhorses, and a fire pit that Michelle and Chris given us, to the top of the motorhome. He attached two more ladders and our bikes onto the back of the R.V. and proclaimed it ready to roll. I joked that we looked like the Beverly Hillbillies headed to California in their loaded jalopy truck. On October 24, we were on the road, moving to Mexico, just in time to avoid snow on the passes! 
Motorhome Loaded and Ready to Roll, On The Road to Mexico!

Sunday, August 30, 2015

NO JOB, NO PAYCHECK! LIVE OFF OUR SAVINGS?!!

LEARNING TO BE FRUGAL

No More Doggie Spa Days? No Problemo!

More Money Than Time  
    I have to admit that I was pretty spoiled while I was working, earning a relatively good salary as a pharmacist. My philosophy was that while I was working full-time, I had more money than time, so I justified paying others to do the work that I didn't want to do. In my free time I wanted to do the things I enjoyed and I had the money to allow it. I had a cleaning service come every two weeks to clean our home. I had a window washer come every quarter to "do my windows". I pampered myself with a pedicure and a massage every month or two. I took my pharmacist smocks and slacks to be dry-cleaned. I took Bella, our miniature, long-hair dachshund, to the pet groomers to have her nails clipped and her hair bathed. You get the idea...I was spoiled and for many years I liked it that way. I refer to my own pampered life because I don’t like to point fingers at others. But, I believe that in the United States a large percentage of people of all classes pamper themselves, indulging in their own versions of daily indulgences. Ours is a country where if we want something, we buy it and worry about meeting our budget later.
      About a year ago, I started to realize that the paycheck, and my pampered lifestyle, wasn't enough to compensate me for the misery of my job as a pharmacist. (See blog post: #1 REASON FOR EARLY RETIREMENT: I'M BURNED OUT ON MY JOB AS A PHARMACIST ) I desperately wanted to get out of the rat race. I knew that if I retired before the age of 59, I would have no paycheck and no Social Security for another four years. I promised myself that I wouldn't touch my IRA Retirement Account until I absolutely had to, and not before age 59 1/2 when I wouldn't have to pay the I.R.S. the penalty required on early withdrawals. I became determined to change my lifestyle so I could quit my job and retire. Learning to be frugal was the key to simplifying my life and retiring before the age of 59.

Become Debt-Free
     How would I be able to live on my savings? It was not that much after I sold my condo, my car, and most of my superfluous stuff? The first thing was to become debt-free and stay that way. After paying off my home mortgage and the motorhome loan, it was an immediate financial relief to be payment-free and realize how much interest expense was eliminated. Over $1000 per month that had been going to financial institutions for interest alone was now staying in my bank account. I quit my job!

More Time Than Money
     Now that I was free from the grind of punching a clock and putting in my ten hours a day, I had more time than money. I was going to have to live a different lifestyle to stretch my limited funds. Mr. Money Mustache, a quirky blogger that I follow, figures that to retire early a family needs to have 25 times their annual spending set aside in investments to retire. His belief is that "you can count on your money making a 4 percent return per year over most of a lifetime. So if you don't spend more than 4 percent per year your money won't run out." By his calculations, "$600,000 in investments, plus a paid-off house.... is enough to generate $24,000 of spending money each year, which goes quite far if you have no rent or mortgage to pay."  To read Mr. Money Mustache's blog article about the 4 percent rule, click:  http://www.mrmoneymustache.com/2012/05/29/how-much-do-i-need-for-retirement/ 
     We have the motorhome, which is our current full-time home, paid off. We didn't quite manage to put aside his recommended $600,000 in investments, but then we are older than he and his family so our money doesn't have to last quite as many years as his does. We do like to go out to eat a lot more often than Mr. Money Mustache, though, so we'll have to cut costs in other areas. And, we would like to invest around $100,000 in a home without wheels on a piece of dirt all our own someday. So, let's say that after we buy our little "brick 'n' mortar" home in paradise, we still have about $500,000 invested in our mutual and index funds. Using Mr. Money Mustache's 4 percent rule of investment income, Jon and I need to live on $20,000 per year, which is $1666 per month. That's going to be tough to budget since our biggest monthly expense is health insurance, running about $625 per month and that is with Jon receiving Medicare benefits. Luckily, Jon is receiving $1332 in Social Security benefits, so this brings our total estimated monthly income to $3000 per month. After paying our health insurance, that leaves $2375 per month to live on, $375 more than the Mustachian family lives on. But we aren't willing to give up going out for dinner three to four times per week. And we enjoy traveling and going on adventures occasionally. A lifestyle change in other areas is definitely in order if we are going to meet that budget!


Live in Our Motorhome Full-Time

Living in Our 32 Ft. Motorhome at Mar Rosa RV Park Mazatlán
    Our first decision was to save money by living full-time in our Class A Southwind motorhome. We eliminated property taxes, utility bills, home maintenance and landscape maintenance expenses. Some folks think living this way would be too confining. But, with two slides that expand the bedroom and living/dining area, it feels spacious during the short periods of time we spend indoors. Mostly, we follow the warm, pleasant climate and we live
outdoors so our motorhome suits our needs fine. There are many article written on saving money while living in an RV. A couple of good ones to start with are:  RVing Full-Time While Living On Less by Stephanie Henkel and Frugal RVing Guide by Amanda Watson . 

Live In Mexico

     Our next conclusion was that we need to live in Mexico for nine to ten months each year to make that budget work. By most estimates I've read, and from our past experience, it costs about 50 percent less to live in Mexico than in the United States, depending on your lifestyle. Dru Pearson, in his book "Retire in Mexico - Live Better for Less Money", claims you can "Live the American Dream in Mexico for half the price." To view a free sample of his book, see "Retire in Mexico - Live Better for Less Money" on Amazon.com
     We plan to retire in Mexico, returning to Oregon for about two months each autumn to visit our family and friends. It’s a good thing we love Mexico! We can live the lifestyle we enjoy on half the money in Mexico! Read more about our experiences in Mexico on my blog: www.HealthyLivingandTravelinginMexico.blogspot.com. View a sample of my book on Amazon.com by clicking: "Healthy Living and Traveling in Mexico" ebook on Amazon.com .
"Healthy Living and Traveling in Mexico" eBook

Live a Frugal Lifestyle

     After I quit my job and retired, the next step was to learn to live a more frugal lifestyle. How would I be able to live on my meager savings? The income from my investments has not been so good with the way the stock market has been performing this year. I was just going to have to learn to be frugal (and clean my own toilets). Some people will laugh at how silly this sounds; others will shake their heads at how this should be obvious. But really, many of us live lives of luxury in so many ways that we take for granted and it's hard to give up our little indulgences. Lattes from Starbucks, high-end smart phones, a new fancy car, iPods, iPads, the hottest new shoe style, and more, seem like our due for working hard.  As purchasing and spending becomes a habit, we begin to feel those little daily treats and gadgets are necessities. But, are they really?
    We have already cut our cost of living by becoming full-time RVers. We eliminated the high expenses of property taxes, utility bills, upkeep and other costs of owning a home in the United States. Our 32 foot Class A motorhome with two slides has been a very comfortable and inexpensive home that also gives us the luxury of traveling in the United States and Mexico. But, that didn't cut out costs enough. We need to stretch our savings even more!
     I started to scrutinize my expenses to weed out any unnecessary luxuries. I have given up some things that others would scoff at, such as my cell phone and my car. But that is because going out to dinner three or four times a week is more important to me than talking or playing on a phone. Living in a small town where I can get daily exercise by walking and riding my bike is more important to me than owning a car. I realize that we all have different priorities, but these are the ways I have drastically cut my expenses and am able to live with no job and no paycheck.

Share One Meal When We Go Out for Dinner
Sharing One Meal Saves Money (& Calories!)
     Most evenings when we go out for dinner, we share one salad and one main course, saving ourselves a significant amount of money. In addition, this increases our vegetable intake and we cut the amount of carbohydrates and calories we ingest. Our pocketbooks and our bodies are healthier!

Cancel My Cell Phone Service and Use Skype
      When we started living full-time in our motorhome, we both cancelled our cell phone service plans. We use Skype internet phone service on our computers and tablets, Jon's iPad and my Samsung Galaxy. This works well in most places in the United States and wherever we have Wi-Fi in Mexico. For $2.99 US dollars per month, I can make unlimited phone calls within the United States and Mexico. Many people are amazed that we no longer have cell phones. We met a very nice Mexican woman in Mazatlán and began exchanging email addresses so we could connect each other again later. When she asked for our cell phone number and we told her we don't have a cell phone, she said, "You don’t have a phone?! I've never known anyone like you.Jon and I explained to her that our jobs entailed years of constantly listening to phones ringing, answering the phone, and talking on the phone so that now we are both allergic to the phone. These days, just the sound of a ringing phone causes us to have a moment of anxiety. The truth is, we do keep an inexpensive GSM phone that takes sim cards in the U.S. and in Mexico, but only for emergency use.

Do I Really Need a New Bathing Suit?
That Suit from 2012 Can Last Till 2016!

     Before I purchase any new item of clothing, I ask myself, "Do I really need that, or am I just having a moment of wanting it?" To save money, I rarely purchase new clothing items and when I do, it has to be something that will last for years. For instance, when I bought my new bathing suit in 2012, I purchased a good quality one that would last me four year if I took good care of it. Yes, it was $80 U.S. Dollars, but with hand-washing, it will last me well into 2016 or longer. That's only $20 per year of wear. (In addition, there is incentive to avoid gaining weight which would require me to purchase a new one in a larger size!)

No More "Dry Clean Only" Clothing
     Every piece of clothing in my closet that had a "Dry Clean Only" label was donated it to Goodwill after I retired. No need for my pharmacist smocks or slacks any longer, so no need for Dry Cleaning. That saved me $40 to $50 U.S. Dollars per month.  I no longer purchase clothing that requires Dry Cleaning, and who needs that fancy stuff while living in a beach town in Mexico, anyway!

How Many Pairs of Shoes Do I Really Need?
I Splurge on My Zumba Shoes!
     
Our shoe expenditures really dropped when we retired, especially when we live in Mexico more than half the year. All we need now is a couple of pairs of flip-flops, a pair of tennis shoes for hiking and playing golf, and of course,  Zumba shoes! I admit that I splurged on two good pairs of Zumba shoes at about $75 US dollars per pair. I justify that expense because proper shoes are a basic for my exercise program of Zumba two to three days a week. Gotta have fun and stay healthy!

No More Brazilian Blow-Outs!
     I've learned to live with my beach-frizzy hair and save about $500 yearly, the amount I spent on the Brazilian hair smoothing treatment. Hair color cost in a salon in Mexico is much less expensive, varying from 200 pesos (about $12.50 US dollars) to 350 pesos (about $22 US dollars), depending on the town we are in, saving me at least $40 US dollars per month from the prices I pay in Oregon. Periodically, I splurge on a haircut while in Mexico for about 200 pesos (about $12.50 US dollars).

Bella's Dog Grooming at Home--No More Doggie Spa!
Bella Enjoys Her Home Grooming Sessions

Quality Health Care in Mexico Saves!
     We had an excellent first experience with dental cleaning in Mazatlán, Mexico this past year. We saved more that 50 percent and received a better cleaning than in the United States. Paty Ascencio D.D.S., trained at the University of Guadalajara, did our cleaning personally, a very thorough job. She spoke English and was very personable, putting us at ease immediately. The cost was 700 pesos (about $43 US dollars) as compared to the $91 US dollars I paid in the United States six months previously. We are ready to find a physician for our family doctor when we return to Mexico next year.

Prescription Medication
     Speaking as a pharmacist and as a patient, the biggest cost savings when purchasing prescription medication comes from buying generic medication, whether in the United States or Mexico. Whenever possible, we ask our physician to switch our brand name medication to one that does the same job and has a generic equivalent. The second major cost-saving step, if the medication is relatively inexpensive, is to bypass the insurance and pay cash for a one year supply while we are in the United States. For more expensive medication, we buy the maximum allowed by our insurance (30 or 90 days) while in the U.S. and then pay cash for the balance needed for the year or buy our medication for the rest of the year at pharmacies in Mexico. Each prescription medication requires price checking between pharmacies and comparisons of price versus quantity filled to stretch our dollars (or pesos).

Stay Healthy to Avoid Medical Bills
    We live a healthy lifestyle so we can stay as healthy as possible, minimizing the expense of Health Care services. We have an annual preventative check-up with our physicians in Oregon which is covered by our health insurance. Two expenditures that pay off--vitamins and vaccinations to improve our health. Another expense we budget for is exercise classes such as yoga, Zumba, and Pilates two to three times per week. Regular exercise is an investment that pays off in improved health and few medical bills.

Give Up My Monthly Massage?!!!
     When I quit my stressful job, I found that the knots in my neck and shoulders disappeared and I didn't need that monthly massage. I still enjoy an occasional relaxation massage and may treat myself to one as my birthday gift for the "Big 59". A 50 minute massage in Sayulita, Mexico is only 400 pesos (about $25 US dollars) as compared to the $75 US dollars that it costs me in Oregon. Ahhh, pure pleasure on occasion is still in my budget.

Do It Myself Home Pedicure
Home Pedicures Save Me $80 U.S. Dollars!

     I've learned to do my own pedicures at home, a rather amateurish version that looks perfectly fine when viewed from five or six feet above. This saves me $80 US dollars per month over prices I paid in Oregon and about 300 to 400 pesos in Mexico, depending on the city (about $18 to $25 USD). Pedicures are a relaxing ritual, even when I do them myself. And I save enough money to go out to dinner that evening!

Boondocking at American Indian Casinos and Prime Rib
     When we are traveling in the United States in our motorhome and find ourselves in the mood for dining out on a fine prime rib or salmon dish, we look for an American Indian Casino. They allow free overnight parking which saves us $30 to $50 on RV Park fees. The campsites are quiet, though nothing special, but the restaurants are generally excellent. We save enough by boondocking to treat ourselves to a delicious prime rib dinner at the casino steakhouse. To find an Indian Casino near you, click this linkhttp://www.indiancasinos.com/ . Another app we use to find free camping spots is Allstays Camp and RV . The campgrounds marked as "OP" on this app are free overnight parking places which are especially useful when we find ourselves traveling late in the evening and just need an overnight safety rest stop.
Boondocking at Casino del Sol in Tucson, AZ

Eliminate International ATM Fees
    Using a bank such as Charles Schwab Bank which reimburses all ATM fees, including those charged at international ATMs. Since we pay for everything with cash now, ATM fees can add up.

I Don't Need All Those Cosmetic Products
     I'm retired with no one to impress. Jon likes me without make-up; that's all I need to know. Cleanser, moisturizer, and sunscreen are all I need now and the savings are over $200 per year.

My Old Computer Can Last One More Year (Or Two)
      The "B" key on my computer quit working and the estimate for the "B" key repair was over $300--no way am I paying that! Jon figured out how to reprogram my "5" key into a "b" key. It was amazing to me how quickly my brain reprogrammed itself to always type a "b" by pressing the "5" key. The mouse pad hasn't worked for years, but I never used it anyway. This old Toshiba laptop still works fine as long as I don't need speed. Since I've slowed the pace of my life down, I can wait a few seconds longer for uploads and do large downloads during the night. It's all part of my goal to simplify my life.

Don't Buy More Stuff
     We still window shop occasionally, but we don't buy home decor, sports equipment, electronics, music CDs, DVD movies, or toys. We find ways to use what we already own, borrow movies, and listen to YouTube music for free. If we can't resist purchasing a new item, it has to be to replace one that is broken, or we have to sell an item we already own first. One exception: if a new item allows us to live in a more eco-friendly manner, we may purchase it. A perfect example is the new Euro Cuisine Automatic Yogurt Maker we ordered from Amazon.com. That eliminated one or two 32 ounce plastic containers per week coming into our household. We justified this new toy because it helps minimize the use of plastic, thereby helping our environment.

Cut Out Cable TV, Netflix, and Pandora
     We would rather read than watch television, anyway--much more peaceful!

Thank Goodness Jon can Fix Anything (Almost)!
     Jon saves us an incalculable amount of money by fixing things before they become big problems. I give him a hard time about the spare parts and tools he carries, but I am truly thankful that he is able to keep things working well in our motorhome, saving the cost of repairs at an RV service center. Jon has repaired or replaced cabinet hinges, cabinet and drawer latches, the water pump, latches on the outside storage compartments, screen door latch, screen door screen, sewer shut-off blade-valve, slide awning, window shade stringing, and more. I’m lucky to have such a great handyman.

Breakfast & Coffee at Home
     We regularly have a simple, healthy breakfast at home to save money and calories. There are endless, tasty ways to prepare yogurt, fruit, and nuts, so why pay someone to make me a smoothie or bowl of granola? We did splurge with our Keurig coffee machine, but I have calculated that we actually waste less coffee by making one single-serve cup at a time. We spend about 35 cents per cup when we use the 95 percent Bio-Degradeable OneCups (environmentally friendly) from the Rogers Family Company. We no longer grind the beans for a pot of coffee, drink half, and then throw the other half away when it starts to taste burnt. Eliminating those $2.50 lattes at the coffee shop saves hundreds of dollars each year!

Lunch at Home or At an Inexpensive Taco Stand

Use Refillable 5-Gallon Bottles Water Bottles
     We use two five gallon water bottles that we refill with purified drinking water at the grocery stores in the United States for $1.00 to $2.00 per five gallons. In Mexico a water service company truck comes to our motorhome and replaces our empty bottle with a full bottle of water for 20 pesos (about $1.20 US dollars). This eliminates purchasing single serving plastic water bottles, saving money and the environment.

Limit Alcoholic Beverages
     Our goal is to have only one glass of wine or one margarita per day. Some days that one glass is larger than others...

Cut the Junk Food Out!
     Don't even purchase it! If it's not in the house, we won't eat it on impulse. No potato chips, rarely soda, occasionally cookies or ice cream or we share a dessert when we dine out. We do keep a bag of dark chocolate kisses and dove chocolates and have one or two a day to satisfy the chocolate craving.

Ditch the Car
Riding Bikes to the Grocery Store in Parker, AZ
     When I sold my two-year old Prius Plug-In Hybrid, it physically hurt me to see the new owner drive it away. But that added a large chunk of change to my savings account and eliminated my biggest expense, auto insurance. It also eliminated the costs of gasoline, electricity to charge the battery, and maintenance. Learning to live without a car was easier than I expected. We walk and ride our bikes more, which has the additional health benefit. We ride the bus in most cities and take a taxi when necessary. This was a huge step in our goals of living a frugal lifestyle and minimizing our impact on our environment.

Reduce Accountant's Fees by Simplifying Life
     No job, no paycheck, no W-2s or 1099s..... simple tax return.

Now I Understand the Phrase: "I have a Limited (or Fixed) Income"
     During my days as a pharmacist, I frequently heard the senior citizens exclaiming about the high prices of prescription medication and informing me in a distressed voice, "I have a limited income!" or "I live on a fixed income!" At that time, I often thought, "Yeah, don't we all". But, now I understand that it is scary when you retire and there is no regular paycheck coming in. I often find myself thinking, "What else can I cut out so we can live on our limited income?" Lately, with the stock market plummeting,  I've modified the question to "What can we cut out to live on our diminishing income?" The best answer we've come up with is "Move to Mexico where our dollar is worth much more and life is more relaxing".
Bella Digging, Jon Relaxing at Sunset in Mazatlan

Saturday, August 8, 2015

NOT EVERYTHING IS ROSY IN RETIREMENT: A HAZARD OF TRAVELING IN MEXICO DURING THE RAINY SEASON

STUCK IN THE MUCK!

The RV's Bogged Down and Not Moving Another Inch!
     Mostly, retirement has been great! We have been more relaxed, we have more time to travel, and we have been able to spend more time in Mexico than any previous year. We often change our itinerary on a whim. We got up one morning in July while we were in Santa Fe, New Mexico and said, let's go back to Mexico. So we turned the motorhome south and decided to return to the Mexican Riviera Nayarit and Mazatlan. At that time in July, it was cooler there than Southern Oregon, so why go back yet? Besides that, it costs us less to live Mexico so we could save some money by hanging out in Pacific coast beach towns for another month or so. 
     We knew that summer is the rainy season in Mexico, but who cares if it rains when it's 85 degrees outside? It is like standing in a warm shower and actually pretty refreshing. We hop in the ocean to cool off on a hot day, children run through a sprinkler on hot days, why not walk in the rain on a hot day! No big deal, we thought...
Call a Tow Truck for Our Bogged Down Rig!

     We learned a valuable lesson yesterday about traveling in Mexico during the rainy season of July and August: Just because the ground looks dry on the surface doesn't mean it is solid under that crust! During our drive from Sayulita to Mazatlán, we only encountered a few areas of light rain. By the time we neared Mazatlán, the sky was clear blue with not a rain cloud in sight. The ground was dry, though the vegetation on the surrounding hills was bright green from recent rains. I remember thinking, "August in Mazatlán is beautiful after it rains". And then we arrived at Punta Cerritos Trailer Park....
     To read more, click on: Healthy Living and Traveling in Mexico: A HAZARD OF TRAVELING IN MEXICO DURING THE RAINY SEASON

Saturday, July 25, 2015

MAZATLÁN HISTORIC DISTRICT & CENTRAL MARKET: Retirement Allows Time for Travel

We Spent Many Days Exploring Old Town Mazatlan

Pretty Houses on Angel Flores Street in Mazatlan
     Retirement has allowed us to spend as much time as we want poking around in places we love. Mazatlán is one of our favorite cities and we return there at least once a year. This year, since we don't have to rush back to work we have been to Mazatlán three separate times! We always stay for at least one week and sometimes for a month so we have plenty of time to relax and explore more of the Historic District. Each time we visit we discover something new and interesting. 
Fresh, Inexpensive Fruit and Vegetables at the Central Market
  To read more about our time in Mazatlán click the link below:
Healthy Living and Traveling in Mexico: MAZATLÁN HISTORIC DISTRICT & CENTRAL MARKET     

Friday, July 17, 2015

MONEY AIN'T EVERYTHING!: Our Road to a Simpler, Healthier Life

Let's Get Serious About Simplifying Our Life!

There's More to Life Than Money!
     For more than five years we have had a goal of simplifying our lives and reducing our stress. We talked often about living a simpler, healthier lifestyle. We tried to simplify by downsizing into a condo, by cutting back to part-time work, and by taking longer periods of time off to spend the winter in Mexico or Ecuador. But, still we were bogged down with complications and "STUFF" we had accumulated over thirty years of trying to "make money" and to improve our life. We felt bogged down in the same old rut of work, pay the mortgage, taxes, and insurance, and still not have enough money in our retirement accounts. It was time to get serious about simplifying so we could retire early. Money ain't everything!
Parked on the Chetumal Bay in Mexico
     Last year, we decided to try living in our motorhome in Mexico for the six winter months from November to April. (See HealthyLivingandTravelinginMexico.blogspot.com ) RV life was a wonderfully simple and healthy lifestyle, living wherever we parked our motorhome, from the redwood forests of California to the beaches of Mexico. When it was time to return to living in our condo in the United States, we started asking each other, "Why?". Why return to condo living? Why return to working just to keep ahead of the expenses of living in stationary home and trying to fund our retirement accounts for the future? 
Did We Want to Go Back to Condo Living?
     Why not quit working? Money ain't everything! Jon decided to build one more custom home last summer and then figure out how to close down his construction business and retire. I worked for four more months as a pharmacist, then gave my two weeks' notice and quit my job so I could get serious about retiring, planning how to live a simpler, healthier life (and have time for my writing). I felt relief and freedom immediately!  It was time to start sorting our belongings and pack the motorhome for a year of traveling. 
Time to Pack the Motorhome for Full-Time RV Living
     We were still wrestling with whether to keep the condo for a while so we would have a home base to return to occasionally. But our answer was always, "Why?" Why not sell our condo unit and live in our motorhome full-time? That would eliminate the hassle and expense of keeping up a home. It would also eliminate the expenses of property taxes, homeowners insurance, homeowners' association dues, and home repairs. We could put that money plus the proceeds from the sale into Charles Schwab investment accounts and live off of the income, though we would have to live frugally. An additional benefit of selling the condo unit was that we would no longer be involved in managing the eight unit condominium that we had built during our retirement planning 20 years ago. That alone would reduce the stress in our lives. We made the decision to become full-time RVers and were immediately excited!
Our Bikes Loaded on the Back of the RV--Simpler & Healthier!
      Why not sell our cars and our pickup?
We decided to sell both of our cars, our pickup truck, and three of Jon's construction trailers. We decided not to take a tow car with us for the first time. That eliminated the expenses of auto insurance, maintenance, and tolls on Mexican highways for a tow vehicle. It also allowed us to put the money from the sales of our vehicles into our Schwab accounts and boost our "Retirement Living Fund". We decided to ride our bicycles and walk places whenever we could for a healthier lifestyle. There are always buses and taxis available when necessary for longer trips or inclement weather. This simplified our life further. Going car-less was one more step in "Going Green", too!
     
Condo Living had Pared Down Our STUFF to a Few Favorite Things
     Our next decision was, "Why not load just what we needed into our motorhome and sell all of our excess STUFF?" This is when we hesitated a bit. This is where Jon and I had some differing opinions and the most frequent discussions. What if we didn't like living full-time in our motorhome? Some STUFF has sentimental value and we couldn't just sell it, give it away, or toss it out. We had already held at least five garage sales and sold many items on Craig's List in the last five years to downsize from our 4000 square foot home into a 1225 foot condo unit. We agreed that we would store our favorite treasures, enough of our best furniture and belongings for a tiny home, and sell the rest.

"Unattended Store" Turned Stuff into Cash Under My "Magic Carpet"
     Reducing the volume of our STUFF was hard work! I could not face holding another garage sale. I had to find other ways to get rid of the STUFF that was weighing us down. Craig's List was our friend -- we sold lots of construction equipment, tools, and odd stuff that way. We took carloads of our clothes, toys, yard tools, and other stuff to the Goodwill. But my favorite way to sell the treasures that I could part with was to have an "Unattended Store" on my front porch. I actually had fun seeing my old treasures and small kitchen appliances go to new owners.     
Lots of STUFF for Sale
          Here is how my "Unattended Store" worked: I priced each item with a price tag that read, "Please place money under doormat. $X.00 Enjoy!" Then I arranged it attractively on my front porch and went inside to continue packing and sorting for an hour, then write another chapter of my book. It was so much fun to go out to my porch every couple of hours and check under my doormat. I would find dollars, coins, sometimes up to $75 at a time. I made a game of trying to figure out what had sold, where the hole in my merchandising was, then fill it with a new item from inside my house. I began to jokingly call my doormat my "Magic Carpet" because it produced money almost every time I lifted the corner to look underneath. Sometimes I even found notes from the people who had adopted my new treasures! The best part about this kind of sale is that there was no dickering involved. If an item didn't sell after a couple of days, I would mark the price down with a red pen and move it to a new location. It usually sold that day!
Price Tag Read: Unique Birdhouse $2.00 Enjoy!
      When I needed a break from packing or writing, I would peek out my front window to see what was happening in my store. Once I saw a young woman excited to find a food processor or KitchenAid mixer in good condition for such a low price. Another time, I saw an older woman take one of my birdhouses after leaving a note under my doormat that she would be back with the money. The next day the money was there with a Thank You card telling me how much she enjoyed my birdhouse. She came back every day and purchased more of my yard ornaments and always left me a Thank You card. She even gave me her address so I could walk by and see my treasures in her yard. I did, and it made me smile to see my birdhouse, fairy, and dragonfly welcome plaque in their new home, knowing that someone else would have a turn enjoying my things.
Time to Sell the Artificial Christmas Tree!
     I decided to sell our artificial Christmas tree and all but a few of our favorite Christmas ornaments to a young man with three sons. He said his boys would enjoy everything, especially wearing the lighted reindeer antlers. For the past five years, I have avoided the commercialism and stressful activities that surround Christmas. I hadn't put up the Christmas tree or looked at the ornaments for several years, so it was fun to unpack them in October and decorate my front yard with the Christmas tree sitting next to my Halloween witch and jack-o'-lantern. Our neighbors even enjoyed the festive tree and told us they were disappointed when it was sold and gone. But, it was time to let someone else enjoy these pretty things. We would be in Mexico by Christmas that year and we would enjoy everyone else's holiday decorations all over town. That further simplifies our life! I felt so much more free, escaping the frenzy of decorating, attending Christmas parties, shopping for just the right gifts, planning for the festive meal, and all the other crazy, busy activities we put ourselves through in December in the U.S.A. Instead of that hectic, expensive ritual, we now enjoy attending the Children's Christmas Shows in our community in Mexico and donating money for their families' Christmas dinners.
We Packed Our Goldfinch Feeder in the RV--Simple Pleasures
     It felt good to recycle our Stuff, passing it to people who would reuse it and enjoy it. I packed a few bird feeders, solar yard lights, a tabletop water feature that doubles as a bird-bath, and a few other small, lightweight decorative items into the motorhome. These few simple items bring the birds and turn our RV site into home wherever we settle. Simple things for a simple life...
We Still Filled Two Storage Units With STUFF!
     Even after many garage sales, Craig's List sales, my "Unattended Porch Store", and several trips to donate things to the Goodwill, we still had two storage units full of Stuff, a total space of 10' X 40' jammed full. I've decided that we humans are naturally pack-rats and it is very difficult to let go of everything. We kept enough furniture and housewares to start over in a small home if our plans changed in the future. And, of course, we kept boxes of tax records and our children's schoolwork and a few treasures. Then we closed the door on our Stuff (whew, what a relief!), got in our motorhome, and went to visit our family before heading to Mexico.

A Family Visit Before Leaving for Mexico

    No, money ain't everything. But, we do need a little money--enough to buy birdseed to fill the goldfinch feeder, sugar for the hummingbird feeder, and gas to move us from Oregon to Sayulita, Mexico and back to see our family. We need enough to go out for dinner three or four nights a week because good food is one of our favorite pleasures, especially when we don't have to prepare it or clean up the mess afterward. We need enough to buy several eBooks per month for our Kindles from Amazon.com (one of our bigger budget items).  And we need enough to pay the fee when we park in a campground or RV Park. So, yes, we need a little money to live on and we are glad we were able to scrape enough together to retire early and live comfortably in our motorhome in Mexico where our money goes a long way. A simple, relaxing life, healthy food, plenty of exercise, good weather, our dog, time with family, and the freedom to do what we want, when we want--that is everything.
New Moon, New Beginnings 

     The day we left our old life behind was November 25, 2014. There was a new moon in the sky and I thought, "New moon, a new beginning" and we started our new life. Life is simpler and we are happier. To view some of our adventures in Mexico, see: www.HealthyLivingandTravelinginMexico.blogspot.com .


     

I invite you to read my book about our adventures. Read the free sample at: "Healthy Living and Traveling in Mexico" eBook on Amazon.com


Friday, July 3, 2015

BRIERWOOD GOLF CLUB: Visiting Our Son & His Family in Shallotte, NC

Retirement Means More Time to Visit Family

     
Beautiful Brierwood Golf Club in Shallotte, NC
     We finally made it to Shallotte, North Carolina to see our son, Kevin, his new family, and his golf club, Brierwood! We've been planning this trip for a year now, since before we retired. Now that we have quit working and are living in our motorhome full-time, we have more time to travel to where our children live and hang out with them. 

We Drove our RV 2300 Miles from Mazatlan, MX to Shallotte, NC
     When our granddaughter, Brooklyn, was born in February, we had left our working life in the United States behind and were living at Mar Rosa RV Park in Mazatlán, Mexico (View by clicking: "Healthy Living and Traveling in Mexico Blog -- Mazatlán RV Parks" ). We were almost 2300 miles away and it was time to plan our route to North Carolina to see the new daddy, Kevin, the new mommy, Denae, and baby Brooklyn. We couldn't wait to meet the new family members!
So Happy to See Kevin, Denae, & Our Granddaughter, Brooklyn
     When we arrived at Brierwood Golf Club in Shallotte, NC, Kevin was excited to introduce us to Denae and Brooklyn, of course! He was almost as excited to show us around the Brierwood Club House and Golf Course so we could see all of the improvements he had made in the past year. He has done an exceptional job of upgrading both!

The 18-Hole Brierwood Golf Course Looks Great!
     One evening after the golfers were finished on the course, Jon, Bella (our dachshund), and I took a walk on the cart path through the first nine holes of the golf course. What an enjoyable place to get some exercise with its many ponds, streams, plush green fairways, and beautifully groomed grounds! The people who live in the homes adjoining the golf course have a wonderful backyard view of this park-like setting.
10th Hole at Brierwood Golf Course
     When we reached the 10th Hole, we considered continuing our walk but we had reached our 10,000 steps for the day, so decided to wander over to the club house instead. I wanted to see if I could get a photo of Charlie the alligator, the star of the restaurant, Charlie's Grill, but he was away at the time. I did manage to see Charlie's Angel, as Kevin has named her, hanging out under the restaurant's balcony.

Charlie's Angel Hangs Out in the Club House Pond
     Charlie's Grill, the new bar and grill at the Club House is a pleasant place to relax after playing golf. It has a newly remodeled, air conditioned dining area, bar, and a large balcony overlooking the pond and golf course. Lunch is included with each round of golf, with the menu changing daily. One evening, after the club and restaurant were closed for the day, Kevin gave us a tour of the new kitchen and high-tech draft beer cooling system, and then decided to demonstrate his grill. He marinated and grilled some tasty chicken and flank steak for gyro sandwiches (he has always been a better cook than I am). We admired the state-of-the-art club house kitchen and helped him assemble the vegetables, meat, dill sauce, and pita bread for the sandwiches. Yum!
State-of-the-Art Kitchen at Charlie's Grill
      "Retirement before the age of 59" is allowing me to spend more time visiting my children and grandchildren. Living full-time in our motorhome allows us to go to where they live, stay at their home, parked in their driveway. We can pop into their house to see them often without intruding too much in their space. Our kids can pop into our motorhome to see us and even leave the grandkids with us to babysit! 
Kevin and 4-Month Old Brooklyn
     I enjoyed babysitting 4-month old Brooklyn while the guys worked on the golf course granite markers and Denae had some time for herself. I'm glad I didn't wait until I was 66 to retire and do this--grandchildren grow up so fast and I want to see them often while they do! My son, Kevin asked me several times, "What does retirement mean, Mom? You are not even 59 and you quit working?" I told him, "For me, it is freedom to go where I want, when I want, and to see my children and grandchildren often. This is what "Retirement" means, Kevin! I'm so happy that we were able to spend time with you and your family and to see Brierwood Golf Club!"
I Got to Babysit My 4-Month Old Granddaughter, Brooklyn!
"Hasta Luego!" --See You in Oregon in the Fall!
For more information on Brierwood Golf Club see: http://www.brierwoodgc.com/index.htm
For more information on our travels and living in Mexico, see: www.HealthyLivingandTravelinginMexico.com