Saturday, May 24, 2014

Fragments

Today we are heading to Encinal Yacht Club for our last visit. It costs us about $2,000 a year in dues. We've been thinking about resigning for about two years. Today is the day. To get there you're driving in bay area traffic and it's stressful. We don't like to drive at night anymore so we just aren't going enough to justify this expense.

The next thing that we are giving up is our private island. It has turned into work and nothing more. We need to simplify our lives and this is a needed step. With Encinal and the island gone it takes a lot of weight off our shoulders. No expectations. We so need to make things more manageable. This is a great start.

What will we have left? Delta Marina Yacht Club and IOBG. The only work I have to do is with IOBG and that's not a big deal. I'll be done with going through the chairs in about 2.5 years and then I won't have yacht club work at all. Hubby and I are waiting for that day.

In a couple of months our boat will be paid for. We'll have paid it off in a third of the time than the loan called for and we're pretty excited about that. That will leave us one bill...our mortgage and it's not all that much. It's a good feeling to be rapidly heading toward debt free. Hubby and I are on the same page where finances are concerned. That makes life far easier. We have both been married before to people that would spend what wasn't there. Doesn't work at all. For some folks there's just never enough money.

Have a fabulous weekend. What are you up to this weekend?
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42 comments :

  1. Today is some errands, mostly grocery shopping and cooking. If I have any energy at all left there;s a painting that's wanting to be created!

    Have a lovely, relaxing day. big hugs xoxo

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    1. Sounds like a good day indeed. You'll do what you want and not what you don't want. I like those kinds of days.

      Have a lovely, relaxing day too. Big hugs back, :)

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  2. Simplifying life is a good thing. Something I am wanting to do as well. And congrats on almost being debt-free. That's awesome - and very RARE these days!

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    1. In this economy it's essential for our own well being. Things are way to iffy. :(

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  3. this sounds like an excellent plan to me. i have been debt free for many years now and i cannot tell you how freeing it is to be able to not worry about it ever. roche' says he's debt free too. uh huh. don't get him started wanting a credit card either because he'd totally run that up in a heartbeat!

    smiles, bee
    xoxoxooxxo

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    1. I know the feeling of debt free. I've been there once before. I can't wait.

      Have a fabulous day honey. Big hugs. :)

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  4. Sure glad to hear that roche is debt free. No credit cards for that rock
    Sandee, that all sounds like such a good plan. Life is so much easier when you take away things that are not the most fun in the world. Hope you do have a great week end at the last party of Encinal Yacht club. Take care.

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    1. Miss Bee won't ever let him have a credit card. Bless his heart.

      Yes, getting rid of things that are no longer fun is a good thing.

      Have a fabulous Memorial Day weekend my friend. :)

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  5. Getting into simpleton mode at this stage of life is blissful. Best wishes to you and hubby.

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    1. Blissful is a great word to describe debt and stress free. :)

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  6. I know how it feels because the day they gave us the sheet that said our home was ours, our hearts were excited. Since my wife is a whiz was our finances, we really don't have debits anymore. When I bought my Camero, it was paid off quickly. We are careful with our cards so not to have any changes what so ever. It make you feel like a bird flying high in the sky. Enjoy freedom Sandee. It will make you feel like that bird. Have a wonderful Memorial weekend my friend.

    Paul

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    1. We'll be there soon Paul. We are very happy about it too.

      You have a wonderful weekend too my friend. :)

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  7. You two are smart! Best to have less debt as you are retired !! Have a fabulous weekend and I'll post some pics in just a bit on my blog....we're in Bolinas with a good friend and soon to blast off to Los Altos to stay with more good friends! Best to you two and Little Bit!

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    1. We are both on the same page where finances are. We don't make financial decisions alone. We always weigh in on everything.

      Make sure there are lots of pictures. I'll come along with you. :)

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  8. This sounds like a very smart plan all the way around. Less stress, and more time to enjoy your retirement...together.

    Happy/sad day tomorrow that I will post about...a memorial service for Dick's nephew...at last.

    Enjoy your weekend...and freedom. Big hugs, honey...

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    1. We've been working on this since we got together. It's getting close.

      I'll await tomorrows post. It's long overdue my friend.

      Big hugs honey. :)

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  9. Congrats to you on being very much on your way to being debt free (and work-free too!). Sounds dreamy. :)

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    1. It's feeling very dreamy Rosey. It's been a long road, but it's nice to see the end of the road. :)

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  10. That's the perennial battle in our house. One can't stand having money that's not being spent and the other doesn't like to spend a lot. Guess which one is the financial planner.

    You're wrong. It's the spender.

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    1. I've been through that and it didn't work for me at all. We divorced and I ended up with 95K of debt. It took me a decade to pay it off too. :)

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  11. I gave up the beach house, the yacht and the sports cars, but I won't give up the private jet. No I won't DAMMT!!

    Well I gave up wanting those things.

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    1. I only have a boat, not a yacht. We love it though and that's all that matters.

      Have a fabulous weekend. :)

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  12. My grandparents were very big on paying for something and not getting a loan. I am kind of the same way. If I want something, I save up til I can pay for it. We are debt free, thank God. I have resigned to the fact that I will never have the nicer things in life, and that's ok. I am happy. I have a man that loves me. I just need good health again and I will be ecstatic!!
    Hubby is working today and Monday, but tomorrow we are going on a picnic. Should be fun. Have a great weekend!

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    1. You'll never know how it sucks to be a debt slave, not one of the finer things in life.

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    2. My parents were the same way. That's where I learned to live within my means. It's not that hard to do either.

      Enjoy your picnic honey. :)

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    3. Kyla - I was a debt slave in my previous marriage. It sucks and then some. :(

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  13. You've made the hard decisions, and you know they are the right ones by the fact that you feel lighter and better with them made.

    Debt free is fabulous -- someday we will get there!

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    1. It's been a long haul, but we can see the light at the end of the tunnel. :)

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  14. It sounds as if your two have a good handle on things and know what is important and what is not. Things change, and we change, and it's smart to adapt and keep everything in balance.

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    1. Yes, things change, we change and our needs change. I can't see hanging onto things that don't work for us anymore. :)

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  15. private island sounds yummy!..Blessed Memorial Day weekend sweet friend!!! xoxox:)

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    1. Private Island is a lot of work honey. Pretty much work every time we go there. :)

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  16. I didn't realize you were members of TWO yacht clubs and had a private island! Wow! Congrats on cutting back and working toward becoming debt free--it's a great feeling!

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    1. We were members of four yacht clubs. Now it will be only two. :)

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  17. I was just talking to someone last night who had such a feeling of relief after getting rid of some properties that have caused her headaches for years. I imagine your relief is similar to yours. Glad you were able to get things worked out.

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    1. Sometimes you have to do a bit of spring cleaning with more than your home. It feels mighty good. :)

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  18. Debt free would be wonderful. I think I only have 8 more years on my mortgage and then I'm there.
    Have a wonderful weekend

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    1. Eight years isn't bad. Way better than 30 years. I see so many people use their homes as ATMs and most of those have lost their homes long ago. :(

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  19. That is wonderful! And after the boat you can add that to the house and you will be all done. Wish we were that wise.

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    1. That's the plan indeed. We are so longing to be debt free. :)

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  20. You are on your way of being debt free my dear...I know it feels great :)

    I'm so looking forward to being debt free too :) make more money and spend less that's what I am trying to do now.

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    1. Yes, you have to spend less than you rake in then put that money on your dept. Even a little bit make a difference down the road. :)

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♥♥♥Have a terrific day.♥♥♥