Increase your Credit card amounts before you Retire because You may not qualify After!

How does a professional person with a good income and few needs end up poor?

Poor planning and too generous “helping” others.

I thought maxing out my credit cards at this stage of life could be a good way to finish up, unworried about the future because the future doesn’t matter anymore. except when the future doesn’t come soon enough, and you’ve maxed out your credit. I haven’t been even close to maxing my credit ….yet.

But today when I decided on the outdoor storage unit and thought to finance it because I don’t have $3000 to spare… It was suggested I should get financing and so I applied for a personal loan from my credit union and I was refused, too much debt related to income. Yeah! I have been using my credit and my income stays the same.

Neither would my credit card give me a personal loan. So this is the face of a poor woman who didn’t know she was poor until she wanted /needed to buy something.Until recently I considered myself in decent $$ condition,, setting up a new life style has not been cheap, but I’m reasonable and only want to keep myself comfortable. But maybe too comfortable , stretching too little too far.

But I ordered my building today, in spite of all that, I put it on my credit card that somehow gave me $50,000 to spend but won’t approve a $3,000 loan. Im sure they would not have approved 50,000 credit card today. I guess my advise would be to make sure you have adequate credit before retiring because you may not qualify later.

I could have found a cheaper unit but the quality would not have been as good nor would it have 850 sq ft to work in. Resale value would be better, besides maybe I can live in it! Really, why not? I think it has more space than my RV does. Add electric, which eventually I would, maybe even water…

Probably not water.

I’ll need to get started painting or producing something of value to increase my flat bottom line.

I dislike worrying about money, so I don’t do it. That may be the reason I’m in this predicament. I’ve given more than I’ve received and sometimes am surprised how that turns out, I could use a few of those ‘gifts’ now!

So I thought I needed to write this on my blog because it’s all about me here, and I want honesty and humility and empathy for others in similar circumstances to be comfortable visiting here and leaving comments.

Well breaking news. This is not available so I’ll keep looking for something similar elsewhere, damn
Breaking Breaking news, I’ll get one much like this from tuff Sheds at Home Depot

I will be an Artist! update 3/7/19

I was pretty happy being a nurse for many years but when I retired I had no plan for what comes next, then I read that anyone can be an artist so I thought I’m anyone, I  will be an artist.

IMG_4779 2

I am a woman wondering what comes next, open to new ideas, willing to exchange thoughts but confused and restless about who I am now in these later decades of my life.

Being a twice-retired person of meager resources and advanced age, I started out cheap, buying craft paints and board panels and skinny canvas. I painted flowers the ‘one stroke’ Donna Dewberry way. (she is the one who said anyone can paint) I had fun painting pretty flowers for children and sold them at school and community sales.

But lately, I have been watching u-tube videos of abstract painting and this is my new favorite way to paint.  I am a self-taught (artist) painter with help from U-Tube videos, Mr. Lang and Ms. Dewberry and  Mr.Tim Gagnon plus a heap of art how-to books  There is so much to learn, so many new ways to create art, I’ll need another life-time to learn all this , maybe next life?

By the way, this painting became an  amazing table! Resin was the perfect  finish!



Update 3/7/19

Still of meager resources and even yet older, Life has moved on with me to a very new reality, an old lady on wheels. And I’m loving this new life style with GiGI my gas guzzling RV and my Smart car Babe.I’m excited to get my life in my tiny RV settled soon so I can get back to painting I’ll need to find a space, I thought perhaps I’d paint outside at the table but it is really windy here, not sure it’s always as windy as it has been here lately, maybe it calms during the summer. Other than the wind, I think this is the best place to be now, warm and snow-less.

I’m not a real neat painter but at least I won’t be messing up any one’s space other than my own, and I won’t mind cuz that’s the way I am, nothing bothers me for too long. It’s taken me awhile to come to this, it hasn’t always been easy but now is generally my way of looking at and living my life. My sloppy life style doesn’t mean I don’t care, it means I don’t care enough to let details get in the way of my peace of mind. Not everyone sees my point of view however. Live and let live please………Wow I did get off on a tangent didn’t I! Must be the fact that I’m drinking wine from the box!