Life On The Central Coast

One of the ways we save money during the week is to have a couple of meals that are meat"less" and by that I mean way less meat. We are not vegetarians and on those meat"less" days we DO have eggs, cheese, butter and milk.  Tonight for dinner, we will be having Cheesy Polenta with Roasted Vegetables.   (click on link to be taken to recipe) We try to eat seasonally and locally and because the temperatures on the Central Coast of California are still cool,  we have access to both butternut squash and Brussels sprouts at our local Farmer's Markets. As gardeners, we also grow both of these items and they can both be readily found at most grocery stores.  And let me tell you, if you have never had polenta before.... WHY NOT!!?? You are going to love the rich cheesy, corny taste and how it mixes perfectly with the sweet butternut squash and the smokey Brussels Sprouts. You have GOT to try this dish out. So the cost breakdown for the end of Fe...

You can't be in debt and retire. Well, you can and plenty people DO live that way, but I would not suggest anyone do it. My husband told me in 2015 that he would like to retire in 2017. That left just 2 short years to climb out of debt. We had one car we owed on and three credit cards at the time. If I remember correctly, it was about $20,000 of household debt plus a mortgage on our home. Since it was just the two of us and we live frugally, it wasn't a problem to get going with a "debt snowball" right away. Have you heard of a debt snowball? Its a Dave Ramsey idea on how to eradicate debt pretty fast. You list your debt from smallest to largest balances. The smallest balance debt gets the most money thrown at it while the remainder debts get paid minimum balances. Once you knock out that smallest debt, you add what you were paying to it along with the payment for the next to smallest debt and that debt gets all the extra money while the remainder debts get j...

It's been a while friends. Life has a way of moving forward like an endless ride on a roller coaster. We have been preparing for retirement, a BIG change in our lives. My husband has worked for the entire time I've known him, and I met him when I was 15 years old! Last year, after working for the same company for 35 years, he decided it was time to begin thinking about retiring and of course that meant I needed to prepare the financial parts of it.  Back when we were first married in 1975 (I know, 42 years this year!!) we fell into our jobs. He made the money and I made it stretch. It wasn't always easy to be a stay-at-home mom of 4 kids and making enough money each month so that my kids today don't remember hard times at all. Guess we did a good job huh? We learned to be frugal and make the dollar stretch a LOT! As each of our 4 grew up, married and moved out, we were able to save more money each month, carefully building our nest egg for the future.  We have...