Another Curve Ball

For the last 3 days I have had a sore throat. This kind of set me back and I may not make my goal of 180 lbs. by Christmas Day. This morning was the first day in 3 days that I actually got on the treadmill, but limited my efforts to save needed energy to fight off whatever it is that is causing my sour throat.

The funny thing is that I actually made it down to 180 lbs. last week, but as I am also lifting weights that 180 soon turned back into 183. I have to remember not to fool myself into believing that weight of my body really matters. The mission is all about burning fat while building muscle and it should not be extreme.

I think that maybe, just maybe I put in a little bit of too much effort over the past three weeks and it may have effected the reliability of my immune system. Another reason to take it slow is that I don’t want to end up with saggy skin as losing weight too quickly sometimes causes due to not allowing the skin to keep up and adapt with the weight loss.

While I had a few days away from the gym I managed to take a selfie to visualize just where I am. It appears that I am getting there. Another good thing that is going on is as I have been tracking my blood sugar with an app on my iPhone called “Glucose”, I have been averaging 126 and my predicted A1c over a period of 90 days is down to 6.14.

Posted in aging, body building, cardio, diabesity, diet, fitness, food, health, simple living, type II diabetes, walking | Tagged , , , , , , , , , , , , , , , | 6 Comments

180 for Christmas

I have been very busy lately working to bring my blood sugar back into a healthy range. I am back in training and doing pretty good so far.

Back in October my doctor let me know that my A1c was up to 8.14, which I find totally unacceptable. I spent over six months concentrating on other things, like my job and financial preparations for retirement. This is all good, but I forgot one important element – Staying healthy.

I found a way to balance things as I now hit the treadmill each and every morning, and spending just 20 minutes during lunchtime at the gym lifting weights. The fitbit is back on my wrist and I am finding more and more opportunities during the course of the day to walk. The world is my gym.

Since that day back in October I have lost over 13 pounds of body fat and will keep pushing until I reach the goal of 165 lbs. At 5′ 9″ this puts my BMI at under 25%.

The latest discoveries in the science of cellular biology point in the direction of reducing the micro fat which exists inside the cell walls. This fat is responsible for blocking or clogging up the receptors that allow sugar into the cell for energy.

By reducing the intake of fat, and working hard to burn the fat already accumulated in my body I can realize that my blood sugar will come back into a normal range. It is already working as my daily, three tests have shown an average of slightly over 100. I know that I can get this average down under 90, where it should be for a 58 year old with Type II Diabetes.

While burning fat is important, it’s just as important to build muscle. Ripping and tearing muscle tissue has shown a greater demand for glucose, which pulls it out of the blood stream and into the cell walls of the muscle tissue.

The key is to BURN FAT and BUILD MUSCLE.

This is not an easy mission, but I will push hard, day after day until one day I can weigh in at 165 lbs. On a visual basis, I want to see my belly button which is an innie become an outie.

I am at 183 lbs right now and hoping for a Christmas present of finding 180 lbs by Christmas Day.

 

Posted in aging, body building, cardio, diabesity, diet, finances, fitness, food, health, life, minimalist, retirement, simple living, type II diabetes, walking | Tagged , , , , , , , , , , , , , , , , , | 4 Comments

Staying the Course

Adopting and maintaining critical life changes to preserve one’s own health is not easy, but then again there really isn’t much in life pursuit of triumph that does come easy. It comes as no surprise to me that this roller coaster I have created to drive down the glucose that likes to float around in my blood stream sometimes goes off the rails. This has happened too many times over the years. I get started on a mission by eating right and exercising just for so long before I quietly slow down the pace and eventually end up off the rails once again.

So here I go once again trying reach that final goal of good health. The problem I discovered is that there really is no final goal. It’s just a routine that I have to learn by being carefully mindful that there really is no end point. No, no end point at all other than death. I know I will reach a point where I can tell myself that I did it. I got my body weight to fat ratio down to where it should be, and I have my blood sugar down into a non diabetic range. Historically it has always been at that point where I think I deserve a break.  The truth is that there is no time for breaks and I will have to endure a tough maintenance plan to remain where I am. I must stay the course no matter what and keep doing all of the right things on a daily basis.

Posted in aging, body building, cardio, diet, fitness, food, health, life, mindfulness, simple living, type II diabetes, vegan, walking, work | Tagged , , , , , , , , , , , , , , , , , , | 5 Comments

Type 2 Warrior Breakfast

I have discovered that the best breakfast I can eat in the morning is a very simple one. It starts with Bob’s Red Mill Rolled Oats, Berries (local when in season), a banana and Bear Naked Fruit and Nut Granola.

I find a little time on the weekend to prepare enough oatmeal for the whole week. It’s pretty easy as I boil 4 cups of water, add a little salt, and bring to boil. I then add two cups of rolled oats and simmer for 10 minutes. I let the oatmeal sit for another 2 minutes and distribute to plastic container and place in fridge.

I like to get up early (3:30 AM) to check email and finances with a cup of coffee. Around 4:30 AM I am on the treadmill trying to burn off 300 calories. It’s then time for a shower and eat this healthy breakfast before heading out to work. What I have learned is that typically I don’t feel any hunger until lunchtime. Sometimes when I do feel hungry, I eat an apple and have a cup of green tea. Between the workout and the healthy breakfast my energy levels are also sustained throughout the course of the morning.

And yes, since I have been doing this each day my blood sugar has been coming down, getting closer and closer to a non-diabetic range.

Posted in body building, cardio, diabesity, fitness, food, health, simple living, type II diabetes, vegan, walking, whole food plant based, work | Tagged , , , , , , , , , , , , , , , | 6 Comments

The Type 2 Warrior is Back

While I have been focusing so hard on finances and retirement for the last year I have neglected another important factor in retirement. My Health. Last year I went through the process of becoming healthy. I exercised, ate a mostly vegan diet and paid close attention to my blood sugar. In October of 2018 I had my blood sugar (95), and A1c numbers (5.4), in close to a perfect score as if I didn’t even have Type II Diabetes. My body weight was averaging around 178 pounds on the scale each morning and was maintaining a slim 33 inch waistline. That was a year ago.

What the hell happened in the course of 12 months? Answer- “I just fucked up”.

Two weeks ago I made the decision to change doctors as I wanted to have my primary care physician closer to home. Earlier in the year my wife broke her collar bone and was treated at Providence Health Services. I was so impressed with their facility and operation that I decided that I would be comfortable having their doctors work with me and my health issues. The visit was pleasant and the test results came back within a few days. It’s funny how the negative test results show up in red on the readout like a school teacher marking a wrong answer on a test. A1c – 8.6, PSA – 12.4. 

These numbers indicate that my blood sugar is putting me in the high risk of a heart attack, and without reduction the risk of blindness, or amputations. It also show the possibility of prostate cancer. Yea, life certainly brings us these lovely surprises as we get older. 

I immediately scheduled an appointment with a urologist and made the decision to start doing the right thing again to regain my health. My doctor increased my metformin to 1000 mg, twice a day, and ordered my to monitor my blood sugar 3 times per day. I signed up with a gym membership at Planet Fitness, put my Fitbit back in operation, and spend at least 30 minutes on the treadmill in my garage each morning.

I am now in the process of re-building a healthy, weight lifting plan at the gym where I am not over doing it, like I have in the past. I am starting to eat healthier by making meat and carbs the smallest portion on my plate and filling the rest of the plate with vegetables. If I feel I need the energy I will increase the healthy carbs. I am eating three meals per day and absolutely no snacks in between meals and trying to reduce the amount of alcohol I drink.

I also created a “daily log”, where I monitor everything I do on a daily basis. Foods, exercise and blood sugar results make up most of my entries, but I have also included sleep patterns, work schedule and Fitbit results. This “daily log” is my conscience as I have to enter each event with an honest attitude and know that if I screw up, it will show up in the log. I pretend that a mean ass drill sergeant goes over the daily entries with me at the end of the day. “Are you fucking kidding me? You drank 7 bottles of beer? Are you out of your mind? This will not happen again, not on my watch. Get your shit straightened out maggot.”

11-8-19 FRIDAY
3:30 AM – Blood Sugar 147, Weight 190.6
4:30 AM – Home Treadmill – Time 40:00, Miles 2.343, Cal 280
5:45 AM – Breakfast – Oatmeal, Banana, Blueberries and Blackberries
6:15 AM – Leave for work (Drive 45 min)
7:15 AM – Green Tea, Apple
11:30 AM – Blood Sugar 122
11:40 AM – Lunch – Squash Soup, Salad, Bread
2:30 PM – Arrive home from work (Drive 45 min)
6:45 PM – Dinner – Salisbury Steak, Sweet potatoes, broccoli (7 beers) BAD NIGHT
7:00 PM – Blood Sugar 167
7:30 PM – Bed (7 hours, 46 minutes)
FITBIT – STEPS 10,799, FLOORS 5, MILES 4.67, CAL 3,015, PEAK 43 MIN

I have been doing this yo-yo shit for years now. I have received the education and know exactly why I have Type II Diabetes. There is fat inside my cellular walls that signals that there is no room for glucose. I have to rid myself of this fat, which in turn means that I need to burn it on a daily basis and stop putting additional fat into my body. I need to drop my body weight by around 20 pounds. I weighed in at 196 in the doctors office two weeks ago. So far I have lost 5 pounds, so I am looking to drop to around 175.

I was an athlete when I was younger and worked very hard physically through my life and I was OK. Today I spend my of my work day driving as I am now working as an inspector. All of those calories I used to burn, I no longer burn. This means that I have to work extremely hard around my work schedule to make up the difference.

I am angry at myself for letting my health get so out of control, but I am also determined to move forward in a positive way to regain my health. Yea, The Type 2 Warrior is back and ready to take on anything that gets in my way of returning to good health.

 

Posted in aging, body building, cardio, diabesity, diet, fitness, food, health, life, simple living, type II diabetes, vegan, walking, whole food plant based, work | Tagged , , , , , , , , , , , , , , , , , , , , , , , , | 14 Comments

Travel Anxiety

Just flew across the Country from Oregon to New Jersey. I have made this several times throughout the years both from when we lived in New Jersey and now in Oregon. Flying has always caused me a certain level of anxiety, but as I am getting older I have noticed that it is getting a lot worse.

This how it starts… We booked a flight for Friday, September 13th a while back. About a week prior to the flight I am preparing my thoughts of getting all of the things together I will need for the trip, which is actually not much. As we rented a house on the Jersey Shore which has a washer and dryer I know I need to only pack enough for half of the week and have the option of washing everything halfway through. The weather is still warm and I need only pack a few items for the cooler nights, but most is just shorts and shirts. I put my backpack in place to carry all of the other non-clothing items I will need for the trip. I contact my credit card companies and let them know about the trip and where I will be to prevent fraud alerts. These steps are taken over and over again all week to make sure I have everything I need.

Thursday comes along and I have to tie all loose ends at work. I add my time to my E-time bank to make sure I will get paid. I set the vacation alerts on my email, my desk phone and my work cell phone. I finish the day early and race home to get other needed things prepared for the next morning. (We are flying out at 6:25 AM and must be at the airport at leash 2 hours prior to the flight.) I go online and print out the airline tickets. I get the cat setup with everything our neighbor will need to care for the cat over the week. I pace back and forth and try to go over every single item I am taking along with thoughts of what we will be doing each day of the week and who will be visiting. I think about the meals we will be preparing at the beach house and sit down and make a shopping list of all of the items we will need to prepare them. I have been working on a daily schedule with all of the information we will need each step of the way. Flight information, rental car information, 2 hotel accommodations and information for the beach house. Everything seems to be in place. I print the list. I then continue to pace the house and go over everything in my head. The washing machine stops and I through my clothing in the dryer. It’s close to 5:00 PM now and Sharon has come home from work. We settle down to some beer and wine which I hoped would calm my nerves. The dryer stops, I fold my clothing and finish packing my carry-on suite case. Dinner, a little news then off to bed to toss and turn all night.

The alarm wakes me up at 2:30 AM. I make coffee and check finances and email on the computer. I pace the house and think about whether everything is packed. I worry that we will not make it to the airport on time. What if there is a car accident that blocks off the highway. I start pacing quicker. Sharon gets up and prepares for our trip to the airport complaining that it’s not fair that she has to get up at this ungodly hour. I check all of the doors throughout the house to make sure bathroom door are closed as our cat loves to sit on the toiler and flush it over and over again. I have to check the bedroom doors to make sure they are propped open and our cat loves to close door behind him and lock himself inside a room. With everything checked I load up the car with our bags and suitcases.

Off we go to the airport, driving down the highway my heart is racing and it feels like it could explode. I break out in sweats with the thoughts of so many people in the airport racing around to get in front of other people to try to make their flights. We make it to the airport and find a parking spot in long term parking. I mark our location on my phone so we remember where we parked when we get back. Elevator up to terminal, long walkway to terminal, two escalators up to terminal. Off to TSA checkpoint to get scanned. This morning they brought in a drug sniffing dog. Great, this will be a slight delay. My heart is still pounding and sweat is dripping down my face. We still have 40 minutes to boarding time. We get through the checkpoint, have a little time to pickup a little breakfast and finally make it to the boarding area. Finally safe.

The flight was actually quite pleasant and we arrived at Newark International Airport in less than 5 hours. The problem now is I have to get out of the plane and again into another airport. Here we go again, heart racing, head spinning we find a bathroom and our rental car. I setup navigation and off we go. Vacation started. We drive to New Hope, PA and check into our hotel. Our daughter brings Pizza with her husband and our Grandsons. We sit by the pool, eat pizza and drink beer and wine. I settle down and Sharon’s anxiety begins. The kids go home and we will meet them tomorrow at the Beachhouse. We thought we were ready for bed but Sharon gets up several times as the time change from going from one side of the country to the other causes confusion in the daily biological clock.

We sleep well, I wake up and write this post. That is all I have to say about that.

Posted in adventures, aging, america, health, life, marriage, simple living, stress, traveling | Tagged , , , , , , , | 10 Comments

Thoughts of Retirement Preparation

It’s not about the house on the hill or the three new cars parked in the driveway. It’s not about a large house filled with the finest of furniture or art. It has nothing to do with a library filled with our favorite books. It’s certainly not about flying to exotic locations to spend time and money away from home. It’s not about any of these things.

It’s no longer about a life filled with the stress of getting up on the alarm clocks warning, shit, shave and shower and run of to drive for 45 minutes through crazy traffic to arrive at a stress filled workday only to get in the car once again and drive 45 minutes through grueling traffic to get home.

Preparing for retirement is the time to reflect on the way we have lived our lives for the past 45 years and finally come to grips with all of the things we thought at the time were so damn important.

We think about those times in our lives that were so filled with joy that it brought tears to our eyes. Times when babies are born, birthday parties and family get togethers. The wedding day and vacations away.

We also think about all of the mistakes we made and the cost associated with those mistakes. This includes financial decisions, but also words we may have said to others that caused distress in relationships.

These reflections, I believe should set the stage to create a new life in retirement. All of the lessons I have learned bring me to a place where the only thing that matters are opportunities to spend as much quality time with loved ones. We pull the memories of the good stuff and leave the rest behind. It’s now about finding a small quiet community where time is shared, stories are told and friends and acquaintances are plenty.

No more alarm clock, driving to work, stressing out all day long, eating unhealthy, mortgage payments, credit cards, car payments, high property taxes, and weekends spent maintaining the property.

And yes, it does take plenty of preparation to choose this new way of life. It takes time and careful planning to make many adjustments in one’s life, even when it is for the better. Where will I live and what will I do with my days? Hey, maybe I will have the time to finally write that book I always wanted to write… Or maybe I can start that small business I have always been dreaming about. Will I play golf? Or maybe just fish all day. Whatever it is that we choose I believe that within 5 years before retirement these thought should play a large roll in future decisions of retirement.

As I carefully go through my house and start downsizing I can’t help to think about my future. Each item we make a decision about keeping or getting rid of things, brings about thoughts like, “Where will I put this item in my new retirement home, and will I really need it after I retire”? Again it brings about reflections of what are the important things in life.

The pictures I hold in my head that pertain to my future are wrapped around getting up out of bed when it feels right. Sitting in my recliner and watching a ball game. Going out for an early morning bike ride or simply taking a long walk. My wife and I working together to prepare a daily meal. Holidays spent with grandchildren and family around the dinner table.

Each morning now I quietly sit and think about all of these things and more. The only worries I suffer are those worries of affordability. I suppose these thoughts haunt most of us who ask the same question… Am I financially ready for retirement. I have summed it up to the fact that any of us can find an affordable retirement somehow. Even those less planned have discovered wonderful retirement lives living in motorhomes. And there are those who will continue to work even after retirement. For me I will need a small home in a retirement village where I can find like minded people to be a part of a small community. I have discovered communities like this all over the country with prices as high as $600,000.00 to as low as $25,000.00 for a home. With continued saving and number crunching soon the vision will become clear.

This stage of life is filled with both joy and fear, but either way preparation is the key to finding the way.

Posted in aging, america, debt, family, finances, fitness, food, frugal, growing up, life, marriage, minimalist, prepared, retirement, simple living, united states, walking | Tagged , , , , , , , , , , , , , , | 7 Comments

Cost of life on a Daily basis

Daily Latte: Average cost- $5.00 x 365 days – $1,825.00

Eating lunch out: Average cost $8.00 x 261 working days = $2,088.00

These are just a few of the calculations of habits I have changed throughout the years. When we look at the microcosm of what we spend in a day it doesn’t look like much, but over the span of a whole year, the numbers become clear. By simply making coffee at home and bringing leftovers each day I am able to drop $3,913.00 into savings each year. This is, of course, the less what I spend on purchasing the coffee to make each day.

By simply analyzing what we spend on a daily basis and averaging out to the cost over a 1 year period we quickly learn that there may be other options.

Many of us enjoy going out to restaurants for dinner and especially on the weekends. Many of us shop for no other reason than shopping. We drive our cars each day to and from work when there may be an opportunity of car pooling or public transportation, and some of us even riding a bicycle. We have premium cable TV although we typically only watch several channels. We have premium cell phone accounts when there are cheaper comparable options. We forget to turn lights off when not in a room and keep our homes a little warmer or colder than needed. I could go on and on, but the bottom line is that these little added costs add up big time when their cost is calculated over time.

I decided one day to start carrying a small notebook and writing down everything I spent on a daily basis. For the first 30 days I didn’t change any habits at all. I just went through my typical day and wrote everything down. After 30 days I started to crunch those numbers and vowed I would come up with solutions to either stop or reduce my spending habits. After 30 days my little notebook took on a new name, “The Conscience Notebook”. Every time I opened it I had to reflect on the thoughts of what I am spending based on what I had learned.

After doing this for a year and making progress in reduced spending I learned that by simply changing a few small spending habits I was able to reduce my overall spending by 12%. I know 12% doesn’t sound like much, but ask yourself… When was the last time you received a 12% raise at your job? I am now contributing a little more towards retirement and even have enough to pay for a fantastic family vacation each year.

Posted in debt, finances, frugal, minimalist, prepared, retirement, simple living, work | Tagged , , , , , , , , | 2 Comments

Cooking is Caring

One of the skills I learned at an early age that will certainly fuel my life in retirement is cooking. Today, not only do we cook most of our meals but actually eating more than going out. Growing up there just wasn’t too many options for eating out. I remember occasionally we would order a pizza on a Sunday night, but even that was rare. McDonalds was just being invented and the only other places were Chinese restaurants, diners and greasy spoons. As I entered my teenage years the fast food boom had started. I remember Jack in the Box and White Castle were a couple of the go to’s but these too were on rare occasions.

I started working in the food industry at 17 like most and quickly learned all the skills needed to make pizza and cook fine Italian food. I sort of fell in love with it and loved watching the food that I prepared.

As time went by I tried my hand at so many other cultural dishes and learned to perfect each. I learned that cooking many favorite dishes wasn’t that difficult of time consuming at all. I have managed to take most of our favorite recipes and create a cookbook where we can turn to quickly and find our favorites all in one place.

Another hidden gem is marrying someone who also grew up the same way and has her own unique set of cooking skills. My wife is also a master in the kitchen and yes, sometimes we do get in each others way, but most of the time we work together like a fine tuned machine. Sharon’s motto is “Cooking is Caring”, and I couldn’t agree with her more.

We love to cook a nice meal and compare the cost of putting it together with the cost of going out to a restaurant. Restaurant prices are close to insane these days. A few months ago I decided to go to a Shari’s Diner and pick up breakfast. 2 eggs, 1 piece of sausage, some potatoes and 2 slices of buttered toast cost close to $14.00. The same plate of food would have cost me less than $4.00 to make at home.

The money we save on cooking at home is money we save overall to fuel our futures and for us it is not an annoyance. I see so many senior citizens going out to eat all 3 meals each day and I wonder why. Even the younger generations eat most of their meals out or just throw some prepared, frozen meal in the microwave that they purchased from the supermarket. What ever happened to good old meal preparation and the Joy of Cooking?

Another benefit we find is that we get to choose the ingredients that go into our foods. We love organic vegetables, high quality meats from a butcher and freshly caught seafood. We agree to pay a premium price for these foods because we know that when we compare the price to the same dishes at a restaurant for foods that are much less in quality, there just is no comparison.

Some people shop for quantity, but for us it is all about quality. A good healthy dinner doesn’t just pay off at dinner time, it pays off doubly as we always take the left overs for lunch the next day. The only meal I need to be concerned with is breakfast which is simple a bowl of oatmeal with a granola mix and some berries and a banana. So basically were are spending our energy on creating just one meal per day.

As I am getting older and my body is changing I have noticed that when we do go out to eat with family sometimes the food causes issues in my lower intestinal tract (trying to be polite). Within an hour I find myself running to the nearest bathroom. This makes me wonder exactly what ingredients the restaurant is using to prepare certain meals. Profits are important in any industry but at what price does it pay when customers do not return.

Another benefit to cooking at home is many times, especially in the winter months we prepare meals that we get multiple meals from. A pot of chili, stews and soups have taken us into the realm of three meals at times. Much of these dishes can be frozen and saved for future meals and they are just as delicious the second and third time around. There are days where we may have had a hard day at work and we just don’t feel like cooking. It doesn’t take much effort to heat up a meal that has been pre-prepared and makes life much easier to destress from a busy day.

Cooking for loves ones is a gift of love. It seems that no matter what dish we cook for family there is a level of love felt throughout the room. Sometimes we cook a bit too much and at these times I love to share a dish with someone at work and watch their reaction. I have even had people ask me to open a restaurant. I tell them, that is not the idea behind cooking at home. LOL

Recently there have been business’s built around delivering meals or selling all of the ingredients to prepare a meal. If there is a growing desire for prepared meals this tells me that, yes, the art of cooking is slowly dying. Both my wife and I have both passed on the tradition of cooking and find that all of our children are cooking both traditional meals and also trying their hands at new dishes. Another tradition that is being passed on is that of gardening. I love to grow the foods we eat and we see our children doing the same.

What about you? Do you or other people you know cook your own dishes? I need to know that I am not an insane foodie.

Posted in aging, diet, family, food, frugal, gardening, health, life, marriage, minimalist, nature, prepared, simple living, stress | Tagged , , , , , , , , , | 7 Comments

Emergency Fund

One of the things I worked diligently on for the past 10 years was building up an emergency fund. Looking back at past memories of stressing over things like getting brakes for my vehicle, or taking care of that transmission problem fueled me into building up this fund. At first it didn’t seem possible as I was also on a mission to pay off all credit, and it was just small amounts here and there I would move into a savings account. As I progressively continued getting all those credit cards paid off and discovered more money at the end of the month because I don’t have to pay credit cards anymore I directed my approach on car payments. It took a long time, but I found myself in a place where I owed nothing except the mortgage. It was at this time I dedicated all extra money at the end of the month towards the goal of a $25,000.00 emergency fund.

With the emergency fund in place I moved towards paying off the mortgage. It took 10 long years to reach this goal, but today I can say that I am 100% debt free. No credit cards, no car payments and no mortgage. At 58 years old I find myself directing most of my earned income towards retirement and saving for a small house in a retirement village.

But, let’s go back to the emergency fund and why it’s so important. Last year our water heater died. The cost of replacement was $1,600.00 because it is situated on the second floor of our home. This cost staggered me at first as memories flooded my mind when I had to figure out how I would pay for it. But, I remembered that the reason I worked so hard at putting together an emergency fund was for reasons like this. I wrote a check and had a brand new water heater and could soon enjoy a nice hot shower. Then I simply started moving a few hundred dollars per month into the emergency fund to make sure it remained at $25,000.00.

It would seem that $25,000.00 is a lot of money to just sit in a savings account, but what this number represents is actually 8 months of lost wages due to losing a job, plus all bills associated to basic living for 8 months. In actuality it is my own personal insurance that provides a peace of mind. It sits there building up a little bit of interest like a good friend ready to take action if an emergency comes about. The funny thing is that those things I used to call emergencies I know call incidents. Life happens, there is no doubt about it and you never know when action must be taken to solve some of life’s problems.

Posted in emergency, finances, frugal, life, minimalist, retirement, simple living, stress | Tagged , , , , , , , | 3 Comments