John Sanders

Sometimes Always Never Rated 4.5 / 5 based on 873 reviews.

Free Download Sometimes Always never die.

Free Download Sometimes Always never mind. Free download sometimes always never chords. Free Download Sometimes Always neverland. Free Download Sometimes Always nevers. Best 2 minute movie I've watched this year. Extreme Frugal Tips. Warning this is a REALLY long post Dog Tax: Excel finance tracking: ? Here we go…I’m posting on my frugal living with REAL examples from my life. Single female aged 48 living in the mid-west. I started my adult life with a high school education and low paying jobs until I hit 30. Today my net worth is more than a million and I love my life…I want for nothing and I’m very content. Read on if you dare…some of this stuff may scare you… Career I didn’t start college till I was 26, prior to that I was in low paying dead-end jobs and as a result I started my adult life being a penny-pincher. I got a BS and 2 MS degrees in the STEM field at state schools while working full time jobs (close to minimum wage till I graduated with my BS). I applied for academic scholarships (and got some) and I took out the minimal I could in student loans. I paid them all back within 5 years. I had to relocate for my first job out of college. It was 2002 and I started out at $44, 000 salaried a year (50 hours weeks, no overtime and working on 2 Masters degrees in my free time) So…I started my professional career at age 30, climbed the corporate ladder, relocated several times and went into management. I worked long hours, on-call 24/7, lots of stress and kept increasing my salary for 16 years. I started to contribute to my retirement when I turned 30. As soon as I could (I think around 36 after I paid of my student loan debts) I maxed out my 401K and ROTH every year. At my highest salary, at age 46, I was making $140, 000 year (remember ? I started at age 30 at $44, 000 and increased to $140, 000 by the time I was 46). I ALWAYS continued to live frugally and saved. I own my house outright and have no debt and plenty in savings. I don’t have a pension. My retirement is all in a 401K and IRAs, traditional and ROTH Once I was financially established I took a 60% lower paying job at a University. I’m 48 and because I live frugally I could probably retire (FIRE) but I like to have something to do. I also enjoy the social aspect of work and a feeling of purpose. I have no stress, great benefits, loads of time off and have never worked more than 40 hours a week in this job and no weekends, holiday…etc. I set my own hours and have no direct reports. I’m currently working 6:30am ? 2:30 pm in the winter so I can hike with my dog after work before it gets dark. It was a very good move for me. I’ll probably work here into my mid 60’s just because it’s so cushy Health I exercise. I walk about 7 miles a day I eat pretty healthy, don’t smoke, don’t drink pop and I don’t drink alcohol (anymore…). Sometimes I miss a good craft beer but it’s better for my stomach and sleep without it I have medical, dental, vision through work. My plans cost me $56 a month I have the high deductible plan and max out my HSA but I only end up using a few hundred a year. Whatever is in my HSA when I retire will help cover retirement medical expenses. My deductible is $2, 000. I use the in-network specialists when I need too I work at a university so I use the health center for non-specialist stuff which is $25 co-pay. I get a preventive visit free every year ? general physical and well woman/mammogram I pay for prescriptions with my health plan or GoodRX. GoodRX is sometimes cheaper. Also some meds are cheaper if you get a 3 month supply by mail (but not all). Some OTC meds such as generic Claritin for allergies and Generic Prilosec for acid reflux are $0 or cheap if you get a prescription I get 2 dental cleanings and 1 vision exam free every year. I get 1-pair of bifocals free If I need reading glasses they are $1 at Dollar Tree I buy generic ibuprofen / first aid stuff in bulk. I keep it to the basics I never pass on free stuff. My dental plan pays for 2 free cleanings/exam a year, so I ALWAYS get my 2 free cleanings a year. My health plan pays for one free physical a year, so I ALWAYS get my one free physical a!!! Food I spend less than $100 a month on food and beverages. I don’t buy any processed food. I cook from scratch in bulk and I freeze. I enjoy cooking. I use lots of veggies in my evening meal. A typical day of food might include: a. 2 large cups of coffee will milk and stevia b. Oatmeal with chia, flax, almond flour, blueberries and a banana OR eggs on homemade toast OR homemade pancakes OR homemade breakfast burritos OR....??? I make my own bread. Yeast, flour, water, salt, stevia and a bread machine I got at Goodwill for $5 c. Fruit or veg snack (seasonal) d. Beans and rice with seasonings (work lunch) e. Fruit or veg snack (seasonal) f. Dinner ? might be spaghetti, chilli, chicken noodle soup, lasagna, grilled chicken with veggies, curry. Each meal works out to under $1. 50. I don’t use much meat in my recipes but I do use a ton of veg g. Homemade yogurt h. I drink lots of black tea or herbal tea throughout the day. I drink tap water i. I get my fix of sweet stuff at work. Someone’s always bringing in home baked goods 2) I shop at Aldi and Walmart, mostly Aldi 3) I buy all my condiments in bulk: spices, chicken stock, oil, stevia (also concentrated), almond flour, chia, flax, rice, pasta…etc. I get some of this on Amazon because it works out cheaper. I make my own yougurt. 1 gallon yogurt = the price of a gallon of milk. It's easy to do. 4) I love this one…I save my teabags. After I’ve used 2 teabags I make another cup of tea from them. I like herbal tea. The cheapest I can find is Celestial Seasonings on Amazon. By stretching the box of 20 teabags to 30 large cups of tea I save $35 year (assuming I drink 3 cups of tea a day). Over 40 years at 7% interest that’s $1500 saved. It’s not an issue for me and the flavor is the same 5) I only eat out a couple of times a year for social reasons and I don’t buy an appetizer or dessert and I only drink water. I tip 20% if service is good. I refuse to go to expensive restaurants. I want an entrée under $15. Honestly, I like my cooking better 6) I don’t drink pop or alcohol 7) I own a chest freezer and loads of plastic food containers. Most of the meals I cook are freezable and microwavable 8) I buy the large tub of coffee from Aldi. It’s like $4. 50 and lasts 3 weeks. Tastes fine to me but then I would never drop $5 + tip on a cup of coffee 9) I only buy meat, fruit and veg when it’s under $1 pound. I make an exception for ground beef and blueberries, raspberries…etc. (they have to be under $1 for 6oz). I don't use much meat. Example: I use 1lb ground beef to make 12 frozen spaghetti dinners BUT I use lots of peppers, onions, mushrooms in-place of the beef. Example. When 8oz packages of baby bella mushrooms go on sale, I buy 12 of them. I wash, chop and cook them and then freeze them in 4 separate containers. Each container will be used in a big batch of spaghetti or Lasagna or mushroom soup., when blueberries go on sale for 0. 89 cents for 6oz I buy twelve packages and freeze. 1 package is used to make 10 oatmeal breakfasts 10) I never buy name brand and I always search for reduced fruit/veg, meat…etc. 11) I do check the local flyers for sales. only shop once a week and I combine trips to save gas. House I brought the cheapest house in a really good neighborhood in a mid-west University town. I’m in the third highest rated school district in the USA for STEM (per 2019 Newsweek article). I have a 1950’s 1500sqft, 3 bed, 2 bath ranch with 2-car attached garage, separate laundry room, living and family room, large screened in-porch. I paid $135, 000 for it and my taxes are $1500 a year. It’s bigger than I wanted but it’s what I had to do to get into my neighborhood. Houses like mine sell in a day with multiple offers over asking. I had to put some work into the house and spend some $$$. I fixed it up so it’s now one of the nicest houses in the neighborhood and worth 35% more than I paid for it. I did some work myself such as painting and laying the laminate floor. I will stay here until I retire and then decide where I want to spend my retirement years. Central Florida is dirt cheap with no state taxes + low housing costs but I am not sure I can handle the heat and humidity. I have a high deductible on my home insurance but I max out my liability coverage. I have a high net worth so if someone tries to sue me I want to make sure I’m covered and I don’t have to pay out of my pocket. I have extras like sewer/water line coverage, sewer/water back-up because the lines in my neighborhood are old and you see people’s yards dug up all the time. I pay my policy in full and it works out to $75 a month In the winter, I keep my heat at 55 when I’m not home or in bed and 60 when I’m home. I wear wool thermal leggings and tops under my clothes all winter long at home. They are soft and comfy. I wear slippers. When I’m lazing on the couch I snuggle under an electric blanket and with the dog. I have a down comforter on the bed. The dog loves the cold. In the summer I wear shorts and a tank top and I keep the AC around 76 as the dog gets too hot I change my furnace filters every 2 months with the cheap ones I keep my water heating on a warm setting. When I run the shower I turn the hot all the way and it’s plenty hot enough for me Household maintenance/repairs I cut my own grass, do my own yard work and clean my own house I do what repairs I can myself. I U-tube it. I buy stuff from Menards and get the 11% rebate. I’m not very handy or physically strong so I only tackle simple things I don’t do a furnace/AC service every year. I lived in my last house 9 years and my furnace/AC were 20 years old when I sold it. I never did a service (other than change filters) and I never had a problem If I have to hire a b