"Do you REALLY want to do this?"

As you see from the blog title changing twice within four days, I've come a full circle from a couple of months ago. At that time I had decided to stop this blog, start a 2nd blog to talk about retirement life in general, since I was not traveling. I then decided for convenience to my readers and to myself to merge back to one blog about a month ago.

This blog is like one big broken record, around around we go, what I do nobody knows.

From my last post on Sunday you see I've been looking at trailers to buy again. I've also looked at all the different kinds of RVs, except truck campers ~laughing.

While I am shopping again, I am hesitant to write updates about my search because I don't want to put everyone through the agony that I have put my readers through the past year or so while looking and discussing different rigs.

I just don't want to go through the roller coaster ride of trying to decide what to buy and driving readers insane doing it.  The fact is I am just as confused recently on what to buy as I have been for two years. Some days I feel like packing the tents, the camping equipment and the hounds and head west to tent camp for a while or at least take a road trip.

With below average temps locally and a "polar plunge" in the forecast it's hard to decide to leave that kind of weather here in the "tropics" of southern Indiana and drive toward western states that have above average temperatures. This summer weather has not only been different but very livable.

Some readers have emailed me telling me once again to keep my house as a base camp until I spend time on the road with the hounds and see how things work out. I can do that and still attempt to fill the wandering urge I have. I am pretty sure of one thing and that is I don't want to spend another winter here in the land of snow and ice.

Sunday night while discussing different rigs with a friend via email, she brought up an interesting question. She has been on my rollercoaster ride for a couple of years since I have asked her a million questions over the years. She had asked this question before more than a year ago but asked again Sunday night.  It left me thinking about it.

"Do you REALLY want to do this?"

That's a valid question and one that has been thought about. Over the past 15 years I have gone through a lot of different cars and trucks. Buying them and trading them with NO hesitation. In some cases I didn't keep most of them for two years and a few less than a year. Spending money on other things was not a problem. There was always a little analysis and research before making the purchase but all purchases were made fairly quickly.

When I decided to move 20 years ago it was almost on a whim. I've been here every since, partly because of the jobs I had. My whole life I have made changes in locations, employment, cars, trucks etc and never, ever took this much time in deciding what to buy. So why can't I "pull the trigger" on a decision to buy a rig of some kind??

We both went through some questions back and forth to try to find where the root of my indecision might be.

Would money be a reason?

I'm not sure, I have enough but I don't want to buy something new and use a lot of my savings account to do it. If I sold my house I would buy something with cash and a rig between old-new, if you know what I mean. I must admit when I decided a year ago that I would most likely retire in May 2014 I had to decrease spending and I have done that so far in my 3+ months of retirement. I stopped buying things on impulse sometime last year during my downsizing. So maybe the dollar plays a part of indecision.

Any fears where you think you can't do this type of traveling?

I love to travel. I love moving down the highway, whether it's a 4 hour trip or a cross country trip. I love to drive and I love to see different parts of the USA. That is the point of RVing, slowing down enough to stop and see what I have driven though over the years at a high rate of speed without taking the time to look around. My cross country bicycle trip comes to mind and how much I enjoyed pulling into a new place while on the road.

I have no doubts I can do that type of camping/traveling. Even though I owned the Class C for only a short time over the fall/winter, I was able to learn how all the RV systems operated, how to winterize a rig, and how to fix truck stuff that broke. So I don't believe any kind of fear is involved in my indecision.

Can you RV and live on your income?

A couple of years ago to not only answer questions I had like this one but also to see if I could afford to retire, I set up an excel spreadsheet listing all expenses and income that were known at that time. I did estimate for instance fuel expense at $4/gl gas, 6,000-8,000 miles driven per year and based on my FJ's mpg, it was roughly 24 cents per mile towing a small trailer. Each option had it's own columns. I had columns for current, retirement no travel, keep the house and travel, sell the house and travel...columns for selling each car, etc.

In all cases I could afford to RV and live on my income. I also added a fudge factor into the analysis because I knew I might spend a little more than planned and I still had money left over every month.

Can you keep the house and RV?

I can keep the house. I'd prefer not to rent the house nor would I like someone housesitting, so it would sit empty while I was gone. Water turned off going to the house. I do not have a furnace but baseboard electric heat all controlled with individual thermostats in each room.

Basically the numbers show that whether I live on the road or live at home, its about the same cost to do either, in fact the only difference is a few hundred dollars.

I assume from those answers, money is not an issue in my indecision. I have had a local friend tell me that I have turned into a 'tightwad' with my money since I started downsizing last year and that might be true. I hate the thought of losing what I have saved and I wonder if I will need a large sum of cash for any future emergencies that might happen.

So maybe she is right when she says "you may not want to do this bad enough to buy a trailer or a motorhome.

I don't know.

Retirement Life Observations

On April 8, 2014 I decided to take vacation days up to my corporate exit interview two weeks later, so I guess my retirement really started then because every morning after I would wake up with my own schedule. It's been a little over two months since I have retired. Some things in my lifestyle such as my diet have changed considerably while other changes have been subtle if they have changed at all.

For those that are retired maybe we can compare our changes in lifestyle since retired while those that are considering retirement may see something they can consider in making their decision.

In my case I didn't feel there would be a lot of change because I've always lived a pretty simple lifestyle being single. There isn't a lot of drama in my life. My health is good, I'm active and have a few interests such as cycling, my hounds and reading. There have been some notable changes though even in the two months being home.

One thing I have noticed is the number of people I am around. I never socialized a lot in my non-work hours when I had a job because most of the people I worked with lived in other towns in opposite directions than where I live. Another reason is most of them have families and they are busy with all of their kid's activities with sports and school. So less people is not a surprise for me. I actually like the solitude that comes with being single.

Another, is my diet changed drastically and with that change I have lost 16 pounds since I walked out of the office on April 7, 2014. These changes were basic. I was no longer around Pepsi machines at work, no longer around the daily pastry that would be brought into work by different co-workers and no junk food available that I ate a lot of. Now, I think a lot of the junk food intake and my addiction of Pepsi Cola were job stress related. My diet now consists of a lot of fresh veggies and fruits...a lot. I occasionally have fish with rice and a vegetable or black bean burritos. I supplement beans into my salads for a little extra protein.

I am riding my bikes more than before but not as much as I want. I want to ride more and with the heavy humidity and high temps, my riding is going to take place early in the mornings until fall. It will be just like the old days when I was doing a little racing and all of our training rides were very early in the morning with a possible afternoon ride. Once I start a regular regiment of riding 5x/week, even more pounds will disappear. My 45 minutes of mowing my yard with a push mower is good exercise because of the heat but also my front yard is on an 80' incline. So I get some good leg and cardio workout while mowing.

Years ago I started an Microsoft Excel spreadsheet to track all of my income (different sources) and expenditures to get control of my money and my spending. I categorized each expenditure and then formulated a monthly average. As years passed I link those previous year's monthly averages so I can see where I might be spending more in different categories or where some prices are increasing since last year because I am buying the same amounts.

This spreadsheet was a key factor in deciding if I could retire or not and if I could survive financially.

Besides that spreadsheet on income and expenditures, when I thought of retiring I made a different spreadsheet just for retiring options. I listed all income and expenses buy the current monthly averages.

I will make a separate blog post just on this spreadsheet, because it showed me all the different options whether to retire or not and options if I were to retire and what the financial bottom line would be. It was quite shocking what some of those options showed once it was seen laid out on paper.

I do not plan on giving "expert" financial advice on this blog but maybe some basic things that all people can use. One would be the spreadsheet to track income and expenditures and two, a spreadsheet showing before and after retirement options with the incomes different due to your change in income sources once you retire.

I will say that since retired I am spending less and not making an intentional effort to do so. Sure, I made some adjustments. I sold my old Chevy Pickup that was never driven more than 300 miles per year and put that money in the savings. I sold my Kia Sorento that was never driven and decreased a car payment and insurance reduction. I sold a Class C RV that I was not going to use, that also eliminated a payment and insurance reduction. I got my 'herd' of vehicles down to two. A Mini Cooper for great gas mileage and local driving and my Toyota FJ 4x4 for winter driving, camping trips, dog trips to the vet and any other trips where I would have to haul something from a store.

I started downsizing my possessions two years ago more than I would with the annual spring cleaning because I was planning on changing my lifestyle to RV living and possibly full-time. So I downsized a lot of things. Sold a little of it, gave a lot away to goodwill and the local library. When I had the thought of selling my house and hitting the RV road, I continued this downsizing to the point of getting down to possessions that I did not want to get rid of. I knew then it was time to stop as I was in my "downsizing comfort zone".

I am not living in a skeleton house of things but I will say my house is not stuffed with anything that is not used, read or worn. For instance my table place setting was reduced to 4. Thats only 4 forks, knives, small spoons and large spoons, 4 plates, 4 bowls. I could probably even reduce that to only 2 and may do that. My suit and ties and dress shoes were all given away last year when I saw I no longer had to wear them at work and I had not worn them in years.

For those that are considering downsizing, I will tell you that there is nothing that I have missed not having. That includes the trucks and cars I have sold, even the RV. I still have things I want to sell, some things I will give away but I am pretty close to be downsized to just the things I need. Even the hounds were involved as I got rid of all their extra bones, kong balls etc that they no longer chewed on...threw some away and gave the kong balls to other friends with dogs.

So ... after two months of retirement I can say I am thrilled with my decision and that I had the guts to go through with it. I knew I would miss the income I was making but I would not miss the drama at work and constant changes for the worse. They had made it almost impossible to do your job by the time I left. My schedule if there is one, is wide open and I love that freedom.

One last thing, that constant heartburn I lived with thinking it was diet related and some of it was, is gone.

Good luck if you decide to retire and good luck to those that have.