Retiring on a Budget - 60 Tips and Tricks from Women over 60
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- เผยแพร่เมื่อ 18 ก.ย. 2024
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#retirement #retirementplanning
It's been eye opening to realize how each withdrawal hinders the potential for my savings to grow through compounding interest. I now see the importance of meticulous planning, considering factors like inflation, healthcare costs, and a good investment strategy
I'm getting close to retirement and having a financial advisor has really paid off. I started investing later than most, so I couldn't just rely on compound interest from index funds. Even so, I've done quite well, earning more than some long-term investors. I'm set to retire with at least $7 million
Your financial advisor must be excellent. How can I get in touch with them? I'm worried about my retirement portfolio and could really use some guidance
I usually avoid giving specific recommendations since everyone's situation is unique, however my experience working closely with Emily Ava Milligan over the years has been exceptional. You might find it worthwhile to see if she aligns with your needs.
I looked for her name online and found her page. I emailed and made enquiries. Thanks for the help
You are not alone
I add water to stretch products like dish soap, detergent, juices (dilutes the sugar), etc....
Cut open plastic containers on lotion, makeup, etc. You would be surprised how much product is
left in the container bottom! Lastly, I try to stay out of stores, unless I really need to buy something.
Do we remember how much money we saved during the pandemic when we were confined indoors? Good tips, Margaret, thank you!💕
I’m 70 years old.. as a child in the 1950-70… my parents cut open lotion, toothpaste and other products containers to use every drop of product.
Me too. can get a lot more out of a toothpaste tube!
Drinking no juices is better for your health. No sugars is better
Although cooking a large quantity of food and sharing with your friends or family is a lovely gesture, if we're talking being budget-friendly, dividing that food into single portions and freezing it is more economical than giving it away.
I think the idea here is that they would do the same and share with you.
Freezing meals for future use is fabulous. I do it all the time. When i buy spinach I always encourage my neighbour to take some. The bag size is too big for the two of us & I would just throw it out. My family lives in another country. I think the idea here is to share extra with close ppl / family.
@rosej9686
I agree, I buy bigger packs and portion it, then freeqe. I use a vacuum sealer since the 1990s, it is something I can't imagine being without. I also clean and re-use the bags again.
@cherylcameron6304
You can freeze fresh spinach! Wash, pat dry, put in a large freezer bag, squish flat/remove the air, put in freezer. Whenever you need some spinach, you can literally 'break off' however you need, and be it just a bit for a smoothie. And it takes almost no space, because it is flat.
Amen .its what’s do
I use an old fashion clothes drying rack, put in back bedroom, not able to put clothes on lanai. No longer using dish washer, keep a/c off (in Fl.) keep windows open live like we used to in the 50's.When washing dishes just squirt and not just pour detergent. Unplug everything that is not being used, (everything still draws electric) Cut off cable, can use cheaper programs. I have groceries delivered, stick to list not tempted to buy those extras. Thrift stores is such a great way of getting "new" clothes. I turn off my hot water heater, boil water to wash dishes once a day. when ready for shower turn it on then when done turn it off. Every penny counts.
Did you know that all laundry can be cleaned very nicely just with cold water? There are a few exceptions like clothing worn by a restaurant worker often needs warm water.
@@PegsFlamingovilleI’ve started washing my clothes in cold water and it does do the job. I do use a dryer but I put my clothes on the lowest setting, which I hope helps save my clothes a little!
I'm 35 and do a lot of these things.. This is great advice no matter what age..
Happy to have you!!
You look very pretty in pink Margaret. You look so radiant and fresh.
I love the library too. You have great tips!
💙 Kim
Thank you so much
I do my own home repairs, yard work, house cleaning etc. I know so many single women especially that pay someone to do all the work but I’ve come to enjoy it. It not only saves money but I’ve learned how to mow my lawn, repair and install electrical, build garage shelves etc. it’s empowering! And you can get lots of help on You Tube.
Keeps you active as well
Well done
I loved mowing the lawn. The smell was wonderful, great exercise, if you have the walk behind kind. Nice way to get a suntan.
TH-cam features a lot of how to videos!
Dilute liquids such as juice, dressings or even detergent to make them last longer.
Cook in bulk and then freeze portions. Use leftover dinners for the next day’s lunches.
In probably 5 years or less , much less some places, we will have quality replicators for food and durable goods. Think abundance, not scarcity
I often shop at a local grocery store around 7-8 pm when many of the store-made salads, sliced deli meats, desserts are discounted 50%
I have to remember this 🌺🌿😊
REALLY!!!
Our stores here quit all discounted bread, bakery years ago. ☹️ We used to have special bakery stores that had really cheap bread, snacks, pastries etc. They're all gone.
Borax, vinegar, baking soda and essential oils are great for most cleaning jobs
I also make our insect repellant with essential oils. Eucalyptus, Mint, Tea Tree Oil and some water and rubbing alcohol. 15 drops of each oil. Doesn’t harm anything.
@@Smooshes786 Ty. I’ve never made this. How much water and alcohol? 🙏
@@akc1739 I have a medium dollar store spray bottle and put about 1 1/2 cups of water to the 15 drops of each and a splash of rubbing alcohol- I don’t measure that, just a “glug”
Witch Hazel is also nice in it.
Agreed!
Just add lemon and elbow grease 😊👍
I love moisturizers and body lotions at Aldi. Dupes of higher priced items!
When tempted to make an unplanned purchase, wait 3 days.
YES! Even when it is the hot water heater. We didn’t push for next day. Got a much better deal and a more efficient replacement by being a bit patient. It wasn’t “fun” but we all survived fine.
I have 3 thin, tall water butts in my garden collecting rain water. All linked together. I only have a small garden. All of the rain we get in the UK I rarely have to use tap water on my plants. Thank you for all the tips.
My daughter found that if she goes to the grocery store After 8pm, the rotisserie chickens are half price - if there are any left. We all buy several and pull the meat off for later recipes, which saves on running the oven and heating the house in summer.
That sounds yummy. 😊
We've been using cloth napkins and hand towels to reduce the number of paper towels we use and buy. 😊
But then you have to wash and the cloth products. Using electricity, water and soap. How are you saving?
We do the same, I mean it’s not as if they take up that much room in a load of clothes, and some we’ve had for years are beautiful. We enjoy using them!
We aren't killing trees by using so many paper products. We also have a limited number of clothes so we don't do a ton of laundry either.
Thank you Margaret, so nice to be amongst like minded women - we are never alone…bless you - wishing everyone a lovely week and a beautiful life ❤
Libraries are the best! I love to read, and buy books, but with the cost of living as it is, that's such a needless expense. Here in central Scotland our libraries are brilliant, and they also serve as community hubs where you can use the computer, learn what's on locally, and many also have lectures and craft sessions. My local library had a knitting group and reading group before lockdown. Most things are free, you get out the house and into a nice warm place, and everyone is really friendly. Then you take some wonderful books home and have a great time reading them at no cost. What's not to love!😍
You can clean most of the house with sunlight dish soap or vinegar and microfibre cloths. You don’t even need to use anything but water. I don’t buy all those products, one for stainless steel, one for windows, one for your floors. I only buy a spray cleaner for my bathrooms for sanitizing purposes.
How much of each
1:1 + 2 drops of Dawn
Libraries are such a great resource for checking out books and videos and meeting people.
I started a dog sitting business, which allows me extra cash for shopping
One of your best videos, "When is it Time to Leave a Marriage". Life is too precious to waste on a bad marriage. I stayed til death did we part, but lost many good years of happiness by staying married 41 years. You probably saved a lot of people from years of heartache. ❤
Hope you are having a Wonderful time now. Stay on touch if you want. Would love 2 learn some strengths..
My clothes dryer broke down in 2007 and I have hung my clothes outside or the inside ever since. Thrift stores are great ! I only buy underwear new.
Yes, pink becomes you! We in the US southwest very many times have rain barrels to save and reuse precious (and limited) rain water.
Yes, I live in N M
I remember when I was very young, 66 now. When my parents were having a playful disagreement, my mom would say, " go soak your head in a rain barrel". I thought it was hilarious.
Rain barrel - I think some municipalities charge for water. Save your potable water and use the rain water to water plants, cars, etc.
Yes, like Eleanor says, split detergents into separate bottles, water everything, fabric conditioner, washing up liquid, cream soap
Thank you! I also cook a meal and get sick of it after a few meals so I'll portion out servings and freeze them. Sometimes I have to go to food banks and what I can't use I donate to a place where they help children. I get my gas .10 off a gallon. Another thing I have been doing is comparison shopping at the different grocery stores and get the digital coupons. I always take a run through the $tree as well before going to the grocery store. Living on a very limited budget can be challenging but it is doable.
Libraries are great !
Resell anything you don't use on a regular basis - clothing, accessories, household goods, etc...you can earn extra money and someone else may need the item more than you.
Hi! Can you suggest some options other than EBay! Thanks!🥰
Yes. Pls..where do you sell used items?
You get next to nothing for even gently used or pristine items, including top designer. I do sell on the RealReal but it’s more to find loving homes for things I love.
Costco has great clothing prices…underwear and socks I’ll never buy elsewhere. I got a dress and a top today…$13 and $16. They’re cute too!
Awesome 🌸🌿😊
A positive voice in the " wilderness " ...I am a stoic, and believe we can try to live by useful tips and tricks ( guess its called prudence)... a teeny tip... each week, whatever is left in your purse...take it out and stash it in an envelope/jar...it's amazing how it mounts up ... I try to buy vegs.etc.on sale and make meals ahead ..it saves electricity/ gas ..and gets you eating regularly and well.... lowering the Thermost is a great idea ( when it's 19 or 20 degrees in summer, we're outbin T- shirts, so just dress appropriately inside, you'll be fine) ... in a bad situation, I have even boiled water ahead, put it in a thermos and it saves power and you have a warm cuppa at hand... often make lemon juice( for (tea?) or herbs & garlic for cooking ahead, freeze in ice cubes and transfer to containers / freezer and have them ready for use.. yup, find a free tax service...last tip - look for tiny gifts after holidays ( their reduced greatly) and keep them in a gift drawer, just nice to have them at hand?thank you..❤ ( from 🇨🇦 )
I only use a full size oven if I can fill it, otherwise I use a toaster oven for almost everything else.
Much the same here. We live in the southwestern USA,but rarely have AC set below 78-80. In winter, we dress accordingly, requiring little heat. Of course there are exceptions, but usually it’s remedied by adjusting our attire, and planning well.
In the states you can borrow books on line for your e-reader (kindle).
After my cable provider increased the price for reduced services once too often, I cancelled and opted for FREE on-line movies, old TV series, news from anywhere in the world in any language, audio books, courses, lectures, hobbies, crafts, etc. Loads of free stuff available, and in some cases, just as many commercials as on cable LOL. Glad I found your site. Thank you
TV programming is mind control garbage. Research “ Project Mockingbird”. I have not had TV service for 15 years. TV also has detrimental frequencies to put you in a hypnotic receptive state to accept commericals and fake “ news”.
I volunteer at the local theater and get to see the shows for free.
I have been shopping for clothes and other items at thrift stores for years :) It highly cost saving and a treasure hunt as well!!
I like looking for leather handbags at thrift stores, I bought a $100+ Naturalizer bag in great condition for $14!
Also, I use the Dollar Store anytime I need a gift bag, ribbon or greeting card! Those are crazy expensive normally but cost a fraction at the $ Store 😃
So true!! I prefer buying a perfectly nice card for $1 at a dollar store than to pay $5+ at regular stores.
Hello Margaret. Rain barrels are mainly used by gardeners to water plants from rain collected from their roofs to water the garden.☺️
That lip color sets off your smile so beautifully!
I eat fresh…….. luv your insight……. Drugstore cosmetics are the best…..2nd hand stores are just as good, I get name brand’s at a steal
Pink is a great color on you Margaret.
I buy in bulk and vacuum seal and freeze. This saves money on the food cost, lowers waste, gas going to restaurants, etc. I also individually freeze cooked lasagnas, etc. I usually don't like to do leftovers more than 3 times and then I freeze the rest.
I do the library.I don't want to keep the books anymore.Just read them and take back.Somthing to do also.
Yes! Well done!
Instead of going into grocery stores I use curbside pickup most weeks. Saves at least $20.00 each visit by avoiding impulse buying.
I have a water collection barrel because I grow many of my own veggies. City watering plants everyday in the deep south can run that water bill up too high. The sky water is free❤
My Mom was quite thrifty, therefore I learned some very good habits growing up. I make my household cleaners with vinegar, tea tree oil and Dr. Bronner's soap. I've found I don't sweat as much now days, therefore a deodorant stone is enough protection. One will cost about $7.00 and lasts me nearly a year. Always freeze leftovers and don't buy convenience foods. Instead of buying, say a brownie mix, I keep the dry ingredients mixed in a container, then if I need something in a hurry, I can just add the eggs, butter and vanilla. When I was working, I made most of my clothes. It's always been kind of fun to me to see how far I can stretch a dollar. Thank you for sharing this ... I'm retiring this year, so I'll see how fun it is stretching my limited dollars ... ha ha!! 😂
Love you and your information…l am 80 and live alone and my budget alas is getting smaller.
Yes, it is getting more and more difficult to make ends meet. I need to learn how to sell items online.
When you mentioned Makeup. I really like Earrings, Costume basically I do have some real. So that is something I always want a ton of . I also like to thrift. So these I have to keep in check.
Backyard gardenning saves you from buying vegetables that's one tip of being thrifty, so not all food supplies being bought from supermarket.
Today I bought 2 office chairs for 10 USD. At a local junk shop. I put the 2 old ones out on the pavement and in half an hour they were gone to new owners. I have 5 1000 litre rain tanks and a few water butts since the drought in Capetown a few years ago. One shower and they're full. The dew each morning tops them up too. I used them to water the garden flush the loo and for cleaning. I give away old clothes etc to charity shops. That's one way to make a donation..im using a hay box to cook to save power too. Mine is 2 cushions filled with polystyrene pellets. But duvets work too
If you are carrying debt on your credit card at a high interest rate pay it off with your line of credit or a personal loan. Consolidate your debts at a rate lower than your credit card.
Debt is part of the Babylonian slave system created by the Globalists / Illuminati, We are ENDING that corrupt Ponzi scheme once and forever. Do your research online, We are switching to the QFS , quantum financial system. The Gold stolen will be returned to the people. Dark / negative controllers of the planet are being taken to GITMO, tried and executed. Do some research! The dollars will be gone. Incoming Treasury Notes.
I grew out my fringe and stopped dyeing/highlighting my hair. I now have a shoulder length bob hair style that's easy to look after. I get a good cut about once a year. When I find I'm mostly wearing it in a ponytail or putting it up, it's time for my cut!! 🙂
Although frequent emails from retailers may be a small nuisance, you can take advantage of special sales. I also visit the same businesses often and am often given a special treat or upgrade at no extra cost. When I'm longing for something new i organize what i already have and enjoy the treasures i already have. As a quilter i also make presents since the family has grown so much. Saves a lot.
Yes to re-decorating with what you already have! In one of his videos, GarrettLeChic advises, "Shop at home" before buying new things. I did that recently, and I'll be darned if I didn't breathe new life into several rooms. You are so right to enjoy your already-owned treasures.
Use the money envelope system.
1. Do you really need to buy so much? 2) your library might also offer passes to museums or the zoo, apps that allow you to stream movies, tv shows, audible type books, read newspapers and magazines. 3). If you do wish to buy a copy of the newspaper, where I live Dollar Tree charges 1.25, I know that is a ton cheaper.
Really great ideas. Love the viewers tips also.
I picked up a few hours work weekly in retirement at an indoor pool. A benefit is that I get to swim my laps for free. I also take my showers there, so save lots of water this way.
That is awesome!
i buy groceries at a supermarket chain that provides points for purchases. I use the points to purchase wine - free of charge! :-)
Way to go!
You can make 3-4 cups of soup by starting with 3-4 cups of broth.
I am definitely going to check out our local discount grocery store! Great tip!
Thank you very much Love listening to your podcast. God Bless You ❤
Love all your ideas!!! Thank you Thank you Thank you♥️
Almost all of these presumes you have money to spend. Like I Love Lucy.. if you don't spend at all you "save" even more! By the time I've paid vehicle insurance, housing, electric and water/garbage, there is nothing left to buy anything with. I get to "save" ALL of nothing!
Many thanks!Good tips.I do collect rainwater in 2 big pots to water plants.Gardening is a good hobby for an edible garden.
Everybody who start thinking about 'how to save money' AFTER they already retired, will always fee like they are missing something, and be struggling. Not only with money. Just my 2 cents, I am surrounded by many people who fell into a deep hole of desperation when they retired.
I don't have a huge pension, but since I retired I live even better than before. No mortgage, no debt, a nice pension, my home is paid, so is my car. All these many years of hard work - and I always loved working - paid off. So did my pretty frugal life-style.
Just because you want to save money and not waste stuff doesn't mean you're in a deep hole..
You can continue working full time well into your senior years. My brother had several health setbacks but got them treated and under control and still works in his late seventies.
Work? What's work? I do things to make me happy because I can?
@daisy He absolutely loves his job!
its all about choice. After many years of work and raising my kids I made the choice to retire when I became eligible for national superannuation in my country. Such a good choice for me. You brother chose to return to work because that makes him happy. Its quite different when someone has to work well into their 70s and even 80s because they cant afford to do otherwise. There is no choice there.
Time to stop the slave mentality. ONLY work if it is doing what you love. The slavery system is ending.
I’m 75 and still bicycling every day for shopping and getting to swimming/gym. I only buy gas for my Prius about every 2 months.
That’s great!
I don’t have a Prius but get 42 miles per gallon in my hybrid. Gas was only $2 a gallon when I bought it but I am sure glad I did with the cost of gas today!⛽
You should probably add a gas treatment, as modern gasoline collects water, and can cause mechanical issues.
Love these tips❤
I love your necklace! I think I’ll try to get one like that. 🙂
Good advice too.
The water barrel is for watering the plants and vegetables that some of us plant.. Also I never bought a dryer because I live in a house and hang the clothes out to dry, or I hang it in the cellar.where I have the washing machine.
I clean pretty much my entire house with vinegar and (sometimes) baking soda..
Instead of taking them to the dry cleaners, I hand wash all my silk and cashmere items: blouses, sweaters, scarves, pillow cases in very mild soap. Rinse them in cold water with a little vinegar. Then leave to air dry. Everything comes out fine.
Great tips!!🎉❤
Thank you for sharing every penny counts .sixty thrifty frugal queen voice of a angle heart of gold star 🌟 🎉❤❤❤lov from uk 🇬🇧 ❤ 💙 💗
Thanks Margaret ‼️This was great advice and very informative. It gave me some ideas I know I’ll use.♥️
You have a great attitude towards life.I love idea of making a pot of soup .👏🏻👏🏻🇺🇸🙏🏼❤️👍
Turn the water off while you suds up in the shower instead of the water running down the drain, the same for brushing your teeth.
I live in Scottsdale, Arizona & had to train myself to do that when I moved here! I quit purchasing the name brand filters for the drinking water in my nice refrigerator. I can buy the generic version for less than half the cost & cannot discern any difference in the quality of the water whatsoever. In the heat here we carry drinking water at all times - using water from my retreat or in a stainless water bottle, I save money & Mother Earth.🌵😎🌏
….from my REFRIGERATOR - autocorrect took over😳
Teresa, I do this already, too. The steam in the shower keeps us warm while we suds up, doesn't it? Great tip!
Excellent podcast Margaret & thank you! This A1 that you said you use a lot is that a free advice service?
💐😃
I would love to have a rain barrel. Soft water for your hair.
Just put a saucepan outside to start ;-)
Use a das back credit card, if the amount you will receive back is more than the annual fee. Charge all your purchase to it including automatic withdrawals: groceries, gas, drug store/pharmacy, Hydro, house and car instance, etc. Pay your credit cards off each month to avoid interest.
I have used cotton bags for 40 years !
Good tips .
Thanks for sharing..
I used to used a lot of paper products. Now I used handkerchiefs and cloth napkins. During the pandemic I learned of the travel bidet (under $20) and cut my toilet paper use by, seriously, at least 90%. Better for the environment and noticeably easier to carry my groceries home.
I have one, too. I use washcloths in place of toilet paper to dry off. Love it!
But then you have to wash and the cloth products. Using electricity, water and soap. How are you saving?
Dr. Bronner's liquid soap is fabulous. Very reasonable for a large bottle and can be used to wash clothes, wash hair, shower soap, dishes, floors. Only need to use a small amount and lasts a long time. Have some lovely scents also, currently I am using a rose scent, very light scent. I save so much with Dr. Bronner's.
Love Dr. Bronner’s products as well. Use lavender all the time
Thank you , such a kind Hearted Lady !!!
Thank you for sharing your thoughts and tips about your life experiences.
My pleasure!
Great suggestions, and in the comments, as well. If you "shop" online and don't make a purchase, the retailer may send you a follow-up email with a discount. I had a smart thermostat that I swear was trying to kill me. I had it switched out for an old fashioned one that I control, and my energy bill is much lower. Humans rule!
Yes, I had a programmable thermostat and it never worked correctly. Back to the old school thermostat.
You are delightful to listen to! Your videos are helpful and worth revisiting!! Thank you!
I live in Auckland New Zealand and public transport on buses, trains and ferries is free for everyone over 65. Drying laundry outside on a clothesline is basically in our DNA - most kiwis would only use a dryer when there's been days of rain - so line drying isn't too much of a drag, being so used to it.
also, if your partner has age eligibility for free public transport but you are still under that age bracket (ie under 65) you too can get free public transport.
I just finished hand washing some clothes and hung them on my rod in my shower!
Most, almost all libraries have downloadable books now. Very up to date titles. Many cosmetics and household detergents at discount and dollar stores have nasty chemicals in them; Pegs, fragrances, dyes. How many people use rain barrels? You laugh? Lots of us do.
Love all your tips for cleaning, why buy anything expensive, the old remedies are the best the majority of what you advised are just what we all need to do. Thank you so much this is a great chanel
Some great tips Margaret! I love to barter when I can; for instance, I just edited / proofed a friend's short book in return for his fixing my broken Italian music table from my Granny - win /win! Also, using air miles can be used not only towards flights but for many other things.
Off topic but I really love the colour of your lipstick, can you please tell me what it is? I've been wanting something like that for ages and the stores where I am no longer allow testers.
It looks like the lipstick color I use. It's by Mac and the color is Plumrose.
@@nicoleyap6070 I'll check it out too! Thanks Nicole.
I have done artwork in exchange for a cut and color from my hair stylist. 😊
Buy a heat pump to replace air conditioning and to reduce heating costs. There may be grants available from your electricity provider , or provincial/state and federal governments.
I volunteer in my local community centre. They have cheap sessions in yoga, gentle fitness, computer, gardening, free books, clothes swap. It's all out there. If it isn't, start something. I've started a free library in the centre. We have donations of cook books galore, and we are suckers for them. Ha ha. Don't spend money.
You can make your own laurndry soap. TH-cam has viedios. I bourght ingredients that cost me 15.00 (us dollars) and It's kept me in soap for over 2 years. the rain barrel idea, for people who have lawns? you could save on your water bill for plants etc.
I like all of your tips, although for me personally, I have seasonal allergies/hayfever, so I no longer hang my laundry on the clothesline to dry, and I've noticed a huge difference! Who knew that my saving money on electricity and doing better for the planet was causing me to have all of those allergens attach themselves to my clothing and bedding (making me suffer and needing allergy shots). Other than that, I appreciate your money-saving tips and life-enhancing tips.
I have always hung most of my laundry on the shower rod. I only dry towels and bedding.
Now I have more knowledge about personal finance. I just subscribed to your channel. Big ups to everyone working effortlessly trying to earn a living while building wealth in this recession. I’m 45 and my husband is 51, we are both retired, no debts. We are currently living a frugal and financially savvy lifestyle and generating passive income even during this recessionary period. Our commitment to saving and investing in the financial market has enabled us to maintain this lifestyle and continue earning monthly passively through investment;:;
Congratulations on your early retirement, Interesting indeed! Currently, I am in dire need of investment advice or tips. Last year, I hesitated and failed to take any action until the year concluded. However, this year, I am determined to try something new, as I am very receptive to various investment ideas.
@@marinascholz9963 No problem at all! If you're seeking to earn substantial profits from your investment, I would suggest determining your investment horizon and implementing a long-term plan. I worked with Claire Martha Magalhaes to create a long-term investment strategy, and she assisted me in managing my investments while I focused on my job without any concerns
@@MariaGarcia-gv8hj Thank you for your advice. It's challenging to find a reliable investment advisor, and I appreciate your input. Seeing the successes you've achieved through investing, I would love to have access to your investment advisor's information if you wouldn't mind sharing it.
@@marinascholz9963 I work with *CLAIRE MARTHA MAGALHAES* ,who is based in the United States. If you would like more information about her, you can conduct a search online.
Working with a skilled financial planner can be compared to having a mentor in the field of finance. I used to struggle to invest on my own and ended up losing money, but things changed once I started working with Claire Martha Magalhaes. She played a pivotal role in helping me improve my financial situation. Previously, I relied solely on my job and salary for income, but now I have found ways to generate additional income with ease, which has allowed me to leave traditional employment. Nowadays, I believe that investing is not a choice, but a necessity for anyone who desires financial independence and a good quality of life.
Charity shops come on leaps/bounds, great new stuff from them. Do some volunteering in them the amount of new stuff that comes trough the doors from people buying online don’t suit and just can’t be bothered returning. It was an eye opener, just try it people you’ll be glad you did,🙋
I won !
After my husband died I live by chose with my daughter and my son in law babysitting their two kids.
I enjoy my life with zero ( none ) expenses.
When I want a change from LA I go to my country in Europe I immigrated from with free public transportation for seniors to live in my own apartment and enjoy being by myself.
I volunteer at a local community swimming pool and for my volunteer time. I get to take my swim class's for free.❤
Awesome 🌸🌿😊