One year is ending, and another is beginning, and I'm reminding myself that there is a lot of beauty around. Such as snow on the beach on Christmas. A surprise scholarship (who knew such things existed?) Snowshoeing for the weekend. Visiting with family and friends.
Here is the truth: we live everyday. This is my attempt to connect my everyday with those who are very far from me. I am very happy with my life, my work, and am looking forward to sharing that. I'm working on remembering the everyday, and showing what that looks like. I'm working on taking photos more.
My goals for the upcoming year are vast and varied. I plan on trying mountaineering. I'm going to keep in better touch with my friends, family and myself. My garden will be bigger and more productive than ever! I want to hike a lot, and go lots of places. (Are those two goals compatible?) I'm working on becoming more fiscally responsible, and saving for retirement. Retirement??? It's so far away...
Did I mention I'm working on becoming more goal-oriented?
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Saving for retirement? it's not so far away - when you are living your life, you have so much to do and to spend your money on that you think the lttle you can afford won't make any difference, so you don't do anything. WRONG! A little bit, not enough to miss is all it takes. So $50 /week) over thirty years will give you $39,000 straight savings -with 8% interest, you double your money every 8 years, which gives you 83,200 at retirement. Not much, but the earlier you start, the more you will have. During your better income years (40-60), you wil be able to increase your savings, so that at 65 you will have a decent retirement package.
If you put the whole idea into the "too hard" basket, or think you can't afford it now (and still go out for your 2 cups of coffee and muffins at your favourite cafe), you will end up with nothing. Take it from someone who did this and is now approaching 60 and panicking - someone who has a brother who started saving at 17 years old, and whose retirement package is now worth over a million POUNDS (nearly 3 million dollars) - which boat would you rather be on?
Love from Mummy
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