Good Morning scout

Originally Posted by scout12
It’ll be nice to have friends and kids around for a winter’s evening around the fire. I will be the ripe old age of 32 smile

Having 20-30 people over to celebrate sounds wonderful. I hope, at the ripe old age of 32, you can remain awake long enough into the evening to enjoy it. LOL.

scout, I’m sure you are far enough down the path to recognize just what an incredible opportunity and journey you were derailed onto. You really are doing great.

I nodded in agreement as I read how fast times is flying by for you. It’s such a swing from those days/minutes that just dragged after BD.

You and S2 enjoying your daily walks, flower picking, and playing; he is a very lucky boy.

I agree with kml about finances. It’s not frugality, it’s making good conscious choices and seeing and understanding the benefits and consequences of those. And it’s ok to “ask” your Mom about spending your own money. I know it’s more “talking” to another adult to get perspective and weigh options. That shows a great deal of foresight; you do have son and you to plan for.

Figure out what matter most to you. Then invest into it. Invest your resources - time, intellect, emotions, soul, money, etc. Invest not spend. A way of looking at things.

Financially you are considering your discretionary expenses. Non-discretionary expenses, rent, mortgage, electricity, etc. are just that non-discretionary and need to be paid.

I also maintained my cars so a I could drive them well past a decade. The driving them into the ground idea. My old Prius has 470,000 on it and S21 is happily and safely bombing around in luxury.

I am also not one that looks to brand names. I look to quality. It’s the investing mindset. Quality lasts longer. Save a bit longer and invest not spend. That philosophy, not surprisingly, has a much better payback when considering the non-financial part of our lives.

One of the best investments I ever made was to pay off my mortgage early. I knocked 19 years off my mortgage. Yes, the financial implications of saving mortgage payments over 19 years is staggering. However, it was the stability of life that drove it. Definitely not mindless purchases on what the TV says. smile

At 31, oh so close to 32, you have (what you’ve heard here a lot) the gift of time. Just imagine where you will be at 52.

D


Feelings are fleeting.
Be better, not bitter.
Love the person, forgive the sin.