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Retirement Forces Difficult Choices

Marilyn Degodny Winters - February 1, 2012

My husband, Randy, and I must make a difficult choice. Now that we are both retired and living on a fixed income, we have to choose between taking a trip to see my children who are moving to Scottsdale or replacing the flooring in our home. We have the savings to do one or the other, but not both right now.

Life Lessons Learned in Retirement

Marilyn Degodny Winters - January 13, 2012

My husband is a stubborn man. I always knew how disciplined he was, but once you are at home with someone every day, you really see a person’s true colors. The reason I am bringing this up is due to a recent home improvement project that has been put off for the last two years. We have needed to

Retirement Allows Worry Free Travel

Marilyn Degodny Winters - December 26, 2011

Last year I finally became eligible for three weeks of vacation time at my former job. Unfortunately because of my health issues I needed to give up my career a few months later and I never got the chance to enjoy that long awaited perk. Now I am on a permanent “vacation”; it’s called retirement.

Living on a Budget in Retirement: An Update

Marilyn Degodny Winters - October 19, 2011

Back in January I decided to make and keep to a budget. During my working career I never really worried much about money. I spent, saved in my 401K, helped put two kids through college and always seemed to have enough. I wasn’t a big-time spender, but I surely knew my way around a department store and a hair salon. Within six months

Retired and Lazy, Who Me?

Marilyn Degodny Winters - September 30, 2011

Let me preface my column today by stating that I have been called a lot of things in my life but no one has ever accused me of being lazy. This morning my sixteen year old stepson told my husband, “Marilyn has sure gotten lazy since she stopped working.” This was at 6:30 in the morning. Why would he say such a thing about me? It was because.

Preparing for the Unexpected During Retirement

Marilyn Degodny Winters - September 7, 2011

The last three weeks have been a technology nightmare. The kitchen television needed to be replaced, my husband’s pride and joy big screen TV in the living room needed to be repaired, our son’s printer needed to be replaced and his computer was on the fritz requiring technical support (for a fee). I kept waiting for something else to go wrong! This is a scary situation when you are retired and living on a fixed income. Although we started budgeting for expenses at the beginning of the year, how can you

Unexpected Benefits of Retirement, Time for Party Preparations

Marilyn Degodny Winters - August 24, 2011

Last weekend we hosted a 60th

Retirement Allows For Reacquainting Myself with Old Friends

Marilyn Degodny Winters - August 3, 2011

Last Wednesday was an eye-opener for me. I went out for lunch with four friends all of whom are now retired. It was wonderful. We eased into conversation as if we had all been together on a regular basis instead of working full time jobs and only seeing each other intermittently. We could not recall how long it had been since we could see each other as a group especially at lunchtime on a weekday. Last year

Learning Financial Restraint After I Stopped Working

Marilyn Degodny Winters - July 8, 2011

Several weeks prior to the beginning of 2010, I read an article by financial columnist Humberto Cruz of the Chicago Tribune. He stated that if you have never written down your daily expenditures you should try it to see where your money is really going and what better time to start than the beginning of a new year. It was simple. Write down

Volunteering Again

Marilyn Degodny Winters - June 20, 2011

Since I have stopped working I have been looking for meaningful ways to help out in the community. My last venture into the volunteer world did not go so well. I was going to

Unemployed to Retired, Six Months in Perspective

Marilyn Degodny Winters - June 13, 2011

If someone had told me on January 1st 2009 that I would be retired today I would have thought they were crazy. I began last year feeling very secure in my career plan and job. Everything that was planned so perfectly changed when my health forced me to leave a job that I loved, five years before I was ready. [...]

No Job = Less Money = Fewer Gifts

Marilyn Degodny Winters - June 7, 2011

Last December I returned from my favorite department store carrying shopping bags filled to the brim with bargains. This was one of those “one day only, lowest prices of the season sale”. They weren’t kidding! I needed to [...]

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