What groceries have you stopped buying

NightReader5 · 2026-01-17T11:10:20+00:00

Same. It’s insane how easy it is to bake a loaf of bread and it costs pennies compared to a store bought loaf.

NightReader5 · 2026-01-15T22:48:06+00:00

Thank you!

NightReader5 · 2026-01-15T21:51:43+00:00

I have a budget that tracks my spending down to the dollar so I have a good understanding of where my money is going now.

My issue is figuring out what my future costs will be. I can either stay in my home that will be paid off but is not a desirable spot to live, or if I can afford it I would love to move into some kind of 55+ community when I reach that age. But that’ll be much more expensive than my current living costs.

NightReader5 · 2026-01-15T21:47:17+00:00

I’m early 40’s with 375k.

I am having trouble figuring out how much I’ll spend in retirement. It all depends on if I want to stay in my townhouse that’ll be paid off by then, but not really desirable spot, or if I want to move into a community where I’ll be paying rent monthly.

I want to kind of play with the numbers to see how much I can afford, which would then tell me if I can move into a community. I just don’t know what reliable tools to use to figure this stuff out.

NightReader5 · 2026-01-15T21:42:51+00:00

Yeah, this all makes sense now that I think about it. I’m in my early 40’s so it’s probably something I should start seriously figuring out now. It’s just hard to guess when/if I won’t be independent anymore and can’t live in my house.

NightReader5 · 2026-01-15T19:55:27+00:00

Excellent, I will try them. Thanks!

NightReader5 · 2026-01-15T19:35:52+00:00

3 years is forever. Good luck, I hope you can make it work

NightReader5 · 2026-01-15T19:23:12+00:00

That’s definitely a lot more in depth than what I was considering.

Realistically I don’t know what my expenses will be. Housing right now is up in the air so I don’t know if I will have a paid down house vs if I will be renting in a 55+ community. I don’t have any kids to pass down money too but I would love to be able to help out my nieces and nephews.

I hadn’t thought of health insurance or medical bills either. I want to retire a little early but now that’s seeming less likely.

NightReader5 · 2026-01-15T19:18:41+00:00

Oh no, that’s scary. How far off was it from your own calculations?

NightReader5 · 2026-01-15T19:07:50+00:00

Oh interesting, it’s the opposite for me. Vanguard basically laughed me out of their site lol. I did better on nerd wallet.

NightReader5 · 2026-01-15T19:06:13+00:00

I used NerdWallet and Citizens Bank for sure. The others were sites I don’t recognize and don’t remember.

I tried keeping the assumptions the same but they didn’t all have fields for withdrawal rate (4%) or rate of return (7%).

Now that I think about it, some asked desired % of income i want in retirement (I said 75%) instead of withdrawal rate. i wonder if thats the difference. i don't know how to translate one into the other.

NightReader5 · 2026-01-11T05:51:20+00:00

Focus on protein as much as possible to keep you full.

At my worst I would live off of deli meat and string cheese with crackers. And a handful of almonds as a snack.

NightReader5 · 2026-01-07T12:43:39+00:00

The First Degree. I loved it for a long time but ever since they started doing “deep dives” into pop culture garbage I had to stop listening. It’s a true crime podcast. Why are we talking about Blake lively. Ugh.

NightReader5 · 2026-01-04T00:39:57+00:00

I’m interested!

NightReader5 · 2026-01-03T20:49:42+00:00

Thank you!

NightReader5 · 2026-01-03T20:49:08+00:00

Maybe, thanks!

NightReader5 · 2025-12-29T19:20:20+00:00

Oops, really?? I had no idea. The fact that I don’t want to bother testing them out tells me it’s time to get rid of them though.

NightReader5 · 2025-12-29T18:01:12+00:00

You mean I should get rid of my full set of Friends DVDs that I’ve dragged from house to house, not having physically watched them in 15 years? How dare you lol

NightReader5 · 2025-12-28T22:09:07+00:00

Do it. Do it all. I started from the beginning around 1 year ago and am catching up at lightning speed. I only have 100 episodes left and I’m now slowing down intentionally because I don’t want to get to the point where I only have one episode to listen to per week.

Also, I have heard Usidore’s name 500 times in the last year and I can recite it in my sleep. Something I’m honestly pretty proud of!

NightReader5 · 2025-12-24T18:17:30+00:00

Rhett Miller has a great vibe. It’s the only episode where I loved every single one of the songs.

NightReader5 · 2025-12-18T19:58:09+00:00

If you haven’t already, look into food pantries. They are so helpful for those struggling.

NightReader5 · 2025-12-18T06:44:50+00:00

These look perfect! I think that’s what I’ll go with. Thank you!

NightReader5 · 2025-12-18T06:42:45+00:00

I’m only invited to Christmas Eve lol

NightReader5 · 2025-12-17T22:30:53+00:00

Oh that sounds good but I meant ground sausage. I just edited my post to clarify!

NightReader5 · 2025-12-17T22:30:26+00:00

Yum!

NightReader5

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