I am a Victorian Soul, live in a small townhouse with my Hubby Joe, work full time night shift as an RN on a Hospital based Rehabilitation( Physical Medicine) Unit, have a small Craft Business on the side and I DABBLE IN A BIT OF THIS AND THAT!!!!


" IT IS NEVER TOO LATE TO BE WHAT YOU MIGHT HAVE BEEN"
George Eliot
George Eliot was actually a pen name for a woman named Mary Anne Evans......


My One Little Word for 2014 is ME!!
Please click HERE to read about why I chose this word!!


PLEASE CLICK HERE to read Why I Returned to Blogging after a Break.....


Sunday, July 13, 2014

Spotlight On Series 2: Preparing for Retirement.......

 Some time ago, I decided to do a Series of Posts where I shine the Spotlight on different people or topics that appeal to me!!

Click HERE for my first Spotlight Post about a fellow Blogger, Kim Povey , who follows her passion for the Victorian and Edwardian Era to the fullest extent!!!!!

This time I am shining The Spotlight on both a topic and a person..........

The Topic is Retirement........

I will get to the Person later in this post......

When Joe and I were on vacation, we met with a Financial Advisor.

This is a FREE service provided by the Credit Union that I belong to!!

I have also found out that other credit unions also provide this FREE service so if you belong to a credit union, I urge you to take advantage of this service!  I only wish I knew of this sooner .........
                                                               No this is NOT us!!!

This is a list of items that I had with us in preparation for this meeting:

Calculated Social Security Benefits for both Joe and I
Since I have worked full time all these years and because of my salary, my Social Security benefits payments will be quite high....

Who Knew!!

My 401K statements and pass words to access my acct.

Joe's Pension Plan information
I, unfortunately do NOT get a pension.....

Joe's 401 K Statement but I did not have his passwords with me.

For 2 hours, the financial advisor went over all this information with us.
                                                         
Since I had my passwords to my 401 K acct., he was able to access it and re arrange my current and future investments.  I am already reaping the rewards of this in making more money on my investments.

He was able to access Joe's 401 K and tell us how to arrange his current and future investments.

Bottom Line: Will Joe be able to retire at 62 y/o?????

YES!!!!!  And so will I!!

You may also bring along any stocks or bonds or any investments that you may have inherited from relatives.... We have none!!

Because Joe is only working for the Post Office for 16 years now, I worked full time because he previously worked in factories and in  retail before that.

We suffered through Factory Shut Downs and Lay Offs for years which left Joe without a job several times in our marriage so I felt that we needed at least one stable income that provided an excellent salary and good health care benefits.
And luckily, my profession is a high paying one with excellent benefits so I have worked full time for close to 36 years with only a period of 10 months of part time when my first son was born.
Joe left a fairly decent job in a Silk Mill for the Post Office because he would get a pension when he retired and also he could invest in a 401 K plan.

Because of my full time salary and my decision to put as much as we could afford into my 401 K plan, we both will be able to retire at 62 y/o without a problem.

MUSIC to my ears!!!

Now I am working on a plan to do that while I am still working so we can live comfortably when we retire and when I go part time in 18 months.

My plan is debt consolidation and paying off as much as we can before retirement.....

Recently I came across a Blogger who is a Stay At Home Mom.

Now what does myself, a woman who has worked since she was 12 y/o ( baby sitting) and now working full time for 35 years and this Stay At Home Mom have in Common you may ask???????

Pretty much the same financial plan!!!!!!!

Let me introduce you to Amy Espinosa whose delightful Blog is The Little Farm Diary
Amy did a Series of Posts on How to Survive and Thrive on One Income sharing she how she can afford to be a Stay At Home Mom.

When I read these informative posts, I realized that the principles that Amy so eloquently defines are the same principles that could be applied to those of us who are preparing for retirement or living on a fixed income whether it be retirement income or Disability or a one Income Family!

This is Amy's Series posts:

Part 1 is A United Front

Amy talks about if you live with a Partner, then you both must decide to do this together!

Part 2 is Peeling Off Layers
Amy talks about getting rid of as many unneeded expenses as you can....

Joe and I are talking about only having one car once we are both retired......

Part 3 is Change How You Shop
Amy talks about Thrifty Shopping techniques.

Part 4 is The Importance of Friends
Amy talks about surrounding yourself with people who are now sharing similar views and who will not lead you away from your financial plan.

Part 5 is Conclusion: Learning to Make Do on Less
                         
                                                       Amy's Family!
This one pretty much speaks for itself.



I found these posts very interesting and think that I could apply Amy's thoughts to my own situation leading to our retirement and when we actually do retire.

I salute Amy and her family for making the choice for her to Stay Home and I greatly admire her for that!!

  I wish I had been able to do that.....

Thanks so much, Amy for being an Inspiration!!

Please stop by and visit Amy and her wonderful Blog about leading a Frugal Life!!

And tell her I sent you!!!  LOL!!

Now Joe will be eligible to retire in August of 2016 but will wait until a new contract is settled as he might get a Buy Out.

When Joe does retire, we will then meet with the financial advisor again......

  Joe WILL look for a part time job to keep busy .......... so he does not drive me crazy!!!!!!

LOL!!!

He would like to get a job at our local Arena so he will not have to pay for season tickets to the AHL hockey games and will actually get paid for being there!!



I knew a sweet couple......
                                                                  Joe and Rosemary

They lived their retirement years to the fullest even though they did not have much money.

They took advantage of many FREE activities like school concerts and plays and church choral events.

They took day trips to area attractions like quaint towns and took a boxed lunch with them so they did not have to pay for a meal.  They then would find a beautiful place and spread out a lovely tablecloth and have a romantic picnic!

They visited state parks and went for a stroll enjoying nature!!

They took advantage of the County Colleges FREE dental services offered by students in the Dental Hygiene program  and other FREE services like hair cuts from cosmetology students!

They went to FREE lectures and programs offered by the many local colleges and civic groups.

They went to the local Center of Performing Arts which was once a movie theater to see $2.00 matinee's of older movies!!

I was always amazed by all they did on a very limited income!!

I hope you enjoyed this post and that I have left you with some food for thought!!


I am linking up to these parties:


Mod Vintage Mix Monday
 Make It Pretty Monday
 Monday Link Party 
Inspire Me Monday

  TUESDAY
  The DIY'ers 
Treasure Box Tuesday 
 History and Home Party
 Cottage Style Linky Party 
Trash 2 Treasure Linky Party 
Time to Sparkle Party 
Home Sweet Garden Party
 Lou Lou Girl's Linky Party
The Southern Special


WEDNESDAY
Wednesdays Make, Bake and Create party
 Fluster's Creative Muster Wednesday's
Wow Us Wednesday
Sizzle into Summer Party
 Lovely Ladies Linky Party
What's It Wednesday
Rednesday 
 Wednesdays Adorned From Above Linky Party
Ducks in a Row Wonderful Wednesdays Blog Hop 
 Before and After Party
 Worthwhile Wednesdays 
Wake Up Wednesdays 
Whatever Goes Wednesday 
 Pretty Wednesdays Linky Party
 Wow Me Wednesday

Home and Garden Party Thursday
  Homemaking Weekend Link Up Party
Time Travel Thursday
 Open House Party
Share Your Cup Thursday
Vintage Thingie Thursday
 Thursday Favorite Things Blog Hop 
  Create it Thursday 
Inspired Creations Linky Party
Grace at Home Party
Handmade Hangout Party
 Fabulously Frugal Thursdays
 Thursday Sweet Haute Share Linky Party
Garden Party

FRIDAY
 Simple and Sweet Fridays
Home Sweet Home Friday
Be Inspired Fridays
  Fridays Unfolded Linky Party
 Show and Tell Friday
  Let's Get Real Friday Party
  Feathered Nest Friday
 Friday Favorites
 Flaunt It Fridays
 Fabulously Creative Friday Linky Party at Jennifer Rizzo's
  Eat. Create. Party
 What To Do Weekends
Inspire Me Please Weekend Blog Hop
 Anything Goes Linky Party
Anything Blue  Fridays
The Party Bunch
Friday's Five Features Party 
Craft Frenzy Friday 
Creativity Unleashed Link Party 
  Inspiration Gallery Link Party
 The Creative Exchange
Fertilizer Friday 
Weekends Are Fun Blog Hop 
Fabulous Fridays

SATURDAY
Best of the Weekend Party
 The Creative Collection Link Party
From the Farm Blog Hop
Pink Saturday
Party Junk
 Strut Your Stuff Saturdays
  Serenity  Saturday
Say G' Day Saturday 
What I've Been Buying- Monthly Party

SUNDAY
Bouquet of Talent Linky Party
Share It One More Time Sundays
 Clever Chicks Blog Hop 
Sunday Showcase 
Share It Sunday
Link It or Lump It Sunday
Sundays at Home
Sunday's Best Partay! -monthly

Please take some time to visit these terrific hosts and all those joining in on the fun!

Thanks so much for stopping by today and every day that you take the time to visit with me!

Hugs,
Debbie


Saturday, July 12, 2014

My Creative Space 2014



 Welcome to My Creative Space 2014!!!

Once again, I am participating in  the Annual Where Bloggers Create Party!!!!

Our gracious Hostess for this wonderful party is Karen Valentine over at  My Desert Cottage!!

Thanks so much , Karen for hosting this party so we all can be inspired by so many fantastic Creative Spaces!!

 This year, the party is a linky party so you can just link up your post on your Creative Space!!!

I am actually cheating this year........
I did not have time to take new photos of my Creative Space.....
 So I am cheating by copying my photos from last year.......
Nothing has really changed in my Craft Room since last year and since I wanted to participate......
I thought I would just use last year's pictures to save time......

Now I know many of you have seen my Craft/Sewing Room before.......
But some of you who are new to Debbie-Dabble, may not have seen this room......
So let me take you on a little Tour......
Of the room where I get to "play".....
Surrounded by things that I love.....
And things that Inspire me......

We will start at the door when you walk into the room, which was my oldest son's bedroom at one time.....


Above the Door way........
When you walk into the room, directly to your left is the closet where I keep my clothes and some craft supplies.....
The tub is filled with crafts waiting to be made and on top of it are some unfinished projects....
The border was bought on Ebay....
And I matched the paint to the border....
 A vintage Sewing Chest that I dabbled with a bit.....
A  Shelf filled with supplies.......
The Shelves on the wall on each side of the window were for my son's electronic equipment.

Now they hold a lot of my craft supplies......
 On top of this shelf unit is what I call my "Mother" display.
 These are all pictures of mine and Joe's Mothers and Grandmothers......
  Back to the shelves on the wall......
 You can see that I made great use of those shelves......

 I have 2 of these drawers on rollers.....
And behind this one is another smaller shelf......
 This is a small room,  10' x 10'.....
 My work table is an old computer desk that I made larger by placing a piece of wood on top of it.....
 The shelf on top of the desk was bought at Salvation Army ....
And decoupaged it using images from old calendars that I had saved....
 I also saved a lot of cans that I spray painted and embellished and now use for storage....
 Salt and pepper shakers are now used for glitter....

 You can see I have a few more that I am working on.....
 The piece of wood that I used to enlarge the table is covered with a vinyl tablecloth, cut to fit and then plastic over it to protect it from Hot Glue.....
 My second computer, a lap top , is kept here......

I am hoping to get a new one soon....
This is my "Queen" chair......
 
 I painted and decoupaged a chair bought at a Flea Market for $5.00......

 I have to have my lumbar support on the chair for my back......
And I  upholstered the seat too.....

 And added a skirt which is a bed ruffle bought at a Thrift Store for $1.00......
 More shelves.......
 And I can sit at my work table and watch my little TV.......
 And I have a DVD player to watch movies or to listen to CD's if I choose.....
The other Drawers on rollers unit.....
And the shelf under the TV......
 Now if you are new to Debbie-Dabble, you may be wondering why do I have a Christmas Tree up in this room in July......
This Tree stays up year round and it is now decorated for Summer so it is NOT a Christmas Tree!!......
 With Tea Cups and Roses......
 Ice Cream Cones and Birds......
 And lots of Butterflies......
 I love the glow from a lit Tree.....
 I will show you it lit at night at the end of this post.....

 Now moving over to the Sewing section of the Room......
 But first, let me tell you about the shelf near the ceiling.

This shelf once housed my son's extensive DVD Collection......
 Now I have displayed some of my pink depression glass and Thomas Kinkade Pink Ladies on it.....


 
The antique Sewing Machine was Joe's Grandmother's......
 And the Christening Gown was Joe's and was worn by both of our sons.......
 The lamp was a Thrift Store find and I embellished the shade......
 Some vintage and vintage style sewing items......
 I just love this old Singer......
 I do like my shelves, don't I?
  And of course, I would have to decorate below......
 We will eventually change the carpeting in this room......
 And moving over to the wall where my son's bed once was.....
 Again, the shelves were for his books and DVD's......
  And now they are for my Pretties!!
 I have my deco mesh for wreaths stored here......
 And some of my tea pot collection.....
 All my Pretties.......



 See the reflection of the Tree in the mirror?
Joe made this for me to store my wreaths on......
Some craft books......

The vintage  "kidney" table was made by my Dad for my Mom.....
 Now I use it for my sewing table where I keep my sewing machine......
 I bought several of these drawers last year and re-finished them......
 I hope to fill this with more embellished cans filled with sewing supplies......
 Another chair that I re-painted and upholstered.....
 This vintage hamper hold some of my fabric.....
 We don't have central air conditioning so I need this fan and another one that I use in this room in the heat of the Summer!!!
 And that takes us back to the door way again.......
 
Back to my Summer Tree......
And lit at night ......
I love working in this room when the Tree is lit......
  The Tree does get decorated differently for Christmas......

But you will have to wait until November to see that!!!  LOL!!

 So that is what my Creative Space looks like ......

Nothing much different this year......

But I hope you enjoyed the Tour!!

Thanks for visiting!!

Please  stop by and visit all the other wonderful Creative Spaces being shared at the Party!!

I am sure you will get lots of Inspiration from these spaces!!!
 


I am linking up to these parties:

FRIDAY
 Simple and Sweet Fridays
Home Sweet Home Friday
Be Inspired Fridays
  Fridays Unfolded Linky Party
 Show and Tell Friday
  Let's Get Real Friday Party
  Feathered Nest Friday
 Friday Favorites
 Flaunt It Fridays
 Fabulously Creative Friday Linky Party at Jennifer Rizzo's
  Eat. Create. Party
 What To Do Weekends
Inspire Me Please Weekend Blog Hop
 Anything Goes Linky Party
Anything Blue  Fridays
The Party Bunch
Friday's Five Features Party 
Craft Frenzy Friday 
Creativity Unleashed Link Party 
  Inspiration Gallery Link Party
 The Creative Exchange
Fertilizer Friday 
Weekends Are Fun Blog Hop 
Fabulous Fridays

SATURDAY
Best of the Weekend Party
 The Creative Collection Link Party
From the Farm Blog Hop
Pink Saturday
Party Junk
 Strut Your Stuff Saturdays
Saturday Show and Tell 
  Serenity  Saturday
Say G' Day Saturday 
What I've Been Buying- Monthly Party


SUNDAY
 Seasonal Sunday
Bouquet of Talent Linky Party
That DIY Party
Submarine Sunday
Share It One More Time Sundays
DIY SHowcase 
 Clever Chicks Blog Hop 
Sunday Showcase 
Share It Sunday
Link It or Lump It Sunday
Sundays at Home
Sunday's Best Partay! -monthly


Wednesdays Make, Bake and Create party
 Fluster's Creative Muster Wednesday's
Wow Us Wednesday
Sizzle into Summer Party
 Project Parade Party
What's It Wednesday
Rednesday 
 Wednesdays Adorned From Above Linky Party
Ducks in a Row Wonderful Wednesdays Blog Hop 
 Before and After Party
 Worthwhile Wednesdays 
Wake Up Wednesdays 
Whatever Goes Wednesday 
 Pretty Wednesdays Linky Party
 Wow Me Wednesday

Home and Garden Party Thursday
  Homemaking Weekend Link Up Party
Time Travel Thursday
 Open House Party
Share Your Cup Thursday
Vintage Thingie Thursday
 Thursday Favorite Things Blog Hop 
  Create it Thursday 
Inspired Creations Linky Party
Grace at Home Party
Handmade Hangout Party
 Fabulously Frugal Thursdays
 Thursday Sweet Haute Share Linky Party
Garden Party

Please take some time to visit these terrific hosts and all those joining in on the fun!

Thanks so much for stopping by today and every day that you take the time to visit with me!

Hugs,
Debbie




Related Posts Plugin for WordPress, Blogger...

Where Bloggers Create 2012

Where Bloggers Create 2012
July 14th, 2012

Where Bloggers Create 2013

Where Bloggers Create 2013
July 12th, 2013!

2nd Annual Dress Form Ball

2nd Annual Dress Form Ball
March 11th,2013