Living on a fixed income has financial challenges, as in not as much money comes in each month as when I was working. But experts have all kinds of advice and suggestions on how to stretch a dollar.
One popular suggestion is to save money by doing things themselves instead of hiring it out, like yardwork and cleaning services. I don't know what part of the planet these experts are from, but I have no plans to work in the yard in the heat and humidity of a Texas Gulf Coast summer. Alex, the yard guy, has a fast and efficient crew, and hasn't raised his price in all the years I have had him. Plus he will do other jobs, like dig drainage lines and shovel mulch. Lorenza, the cleaning lady, is a real pro and much more thorough in her cleaning than I would ever be, not to mention that she and her husband will haul off anything I want to get rid of, old clothes, furniture items, whatever. So not only do I save a lot of time by not having to clean or do yard work, I don't have to spend time having a garage sale. Also, I think my health is better for not having to work outside in the summer sun, (I have had a few skin cancers removed). And how many times have you heard of an old retiree who died while mowing the yard? That happens more often than you might realize. So Alex and Lorenza, and all their counterparts, provide essential services, and I will not be taking their jobs away from them, especially during this economic downturn. I want to be part of the solution, not part of the problem!
I actually do some of the work around here myself. In fact, as I write this blog, I am cleaning the kitchen floor and the pool.
Robby the Robot in the kitchen.

Polly the pool sweep in the pool.

Speaking of the economy, it is a good reason to cut back on Christmas spending, just like everyone else is doing, and to forego impluse shopping. So I am being a conscientious consumer during this economic downturn, not just a miserly retiree on a fixed income.
Another piece of advice from experts is to decrease spending on "work" clothes. Never having been a fashionista, this really hasn't saved me much. I wasn't spending much on clothes and make-up before, but now I'm spending zero on those items. I could also be saving money on drycleaning, but I never did that before either.
I could save on cost of getting to and from work, but my office was only 5 miles from the house, so that was never a major cost factor. Actually with more free time now, I am spending more money on gas driving to visit with twins in Spring, grandson John in McKinney (which I hope to do more often this winter), visiting with Bill.
I could cut back on charitable contributions, but the only charity I regularly supported before was United Way at work. Now no work, so no United Way... And now I can honestly tell a solicitation caller that I am now on a fixed income and can't help. Stupid, I know, but I never could just hang up, and I did used to feel a twinge when I turned them down, until a few years ago when I bought light bulbs from the blind one day and trash bags from the paralyzed the following week, and both invoices were to be paid at the SAME address. Now I can save money by not having caller ID, and can still fearlessly answer the phone and honestly tell a solicitor I am on a fixed income and then hang up.
So what can I really do to save money? I am cutting back on eating out at lunch, which I did while working. It served to break up the day in a relaxing way. Now, I cheerfully take advantage of Senior offers.
Denny's has a great senior menu,
Incredible Pizza has terrific senior buffet once a week, and WhatABurger has free coffee for seniors (excellent offer since a lot of restaurants are now jacking up the prices of drinks, and don't post those prices on a menu. Next time you eat out, check the menu for ice tea prices, see if you can find it anywhere on the menu.) And sometimes I can get Bill to share. We went this morning to one of our old favorites, the
Black Walnut Cafe and we shared the TexMex omelet and a Sunrise muffin. Total bill was about $14, with $5 of that being the coffee and hot chocolate. I guess I could start just drinking water, much healthier anyway.
Black Walnut Cafe Christmas decorations. This place has a really nice 'feel' to it, sort of clubby.

We got a table by the window, with 2 large wingback chairs.

Fortunately, I don't have to painfully reduce expenses, I have lived on less than my income for years, dumping a lot of it into retirement plans. So my overall net income is about the same pre/post retirement. And also fortunately I'm not lured to spend my new-found free time shopping or otherwise spending more money, instead I'm staying quite busy with visiting grandbabies and working for the slave driver JanMa's Digital Memories. And I still have several things on my bucket list, including more flying, travel and golf. Sounds like another trip to Fredericksburg and the
Hangar Hotel and
Lady Bird Johnson golf course is on the horizon! Bill, get the plane gassed up, gosh I love this retirement life!
