tag:blogger.com,1999:blog-2445523662180116681.post1295540742697082268..comments2024-03-28T15:14:39.600-07:00Comments on The Hawaii Plan: Planning for 2018Hawaii Plannerhttp://www.blogger.com/profile/04760426766801381563noreply@blogger.comBlogger9125tag:blogger.com,1999:blog-2445523662180116681.post-8102999841571678512017-11-11T15:42:10.777-08:002017-11-11T15:42:10.777-08:00We made some major changes in 2017, we relocated t...We made some major changes in 2017, we relocated to our forever retirement home, so 2018 will be somewhat low key as a result. We will be making one major outlay in 2018 - we're planning a complete re-do of our backyard - but otherwise we'll be sticking pretty closely to our projected budget. <br /><br />Although we did pay more for our new home because of it being just two miles from the ocean vs our prior more-inland home, all of our other expenses have dropped save property taxes. Our HOA is lower, our electric, cable and water bills are lower, and our earthquake insurance is way, way lower. <br /><br />Other than our backyard project, our focus in 2018 will be to continue to enjoy the many free activities are move made possible. We have an array of scenic hiking and biking trails, harbors and bays in which to kayak, beaches to picnic at, and a multitude of no-cost concerts, lectures and festivals. As you said above, the urge to travel has diminished somewhat due to our enjoyment in getting to know our new area.Tamarahttps://www.blogger.com/profile/18248579159497266955noreply@blogger.comtag:blogger.com,1999:blog-2445523662180116681.post-81093595657314090932017-11-10T09:54:28.907-08:002017-11-10T09:54:28.907-08:00The three year lease is a great time horizon. All ...The three year lease is a great time horizon. All repairs are covered under warranty, and you don't have to worry if something goes wrong with the car in the long-term. Given the low price point, it's almost a break even investment, and I'm happy to put my money where my mouth is, so to speak, on the environmental impact. If we really optimize, we can probably get it quite close to break even. We opted for the Chevy Bolt, which just won 2nd place or something as car of the year, so it's pretty well regarded. M loves research like that. ;-) <br /><br />I'm with you on the traveling - when we first bought, you just have to settle in before you can really think of any other big plans. <br /><br />Would love to know more about any mileage/points optimization you've got going on! It's something I'm focused on as well.Hawaii Plannerhttps://www.blogger.com/profile/04760426766801381563noreply@blogger.comtag:blogger.com,1999:blog-2445523662180116681.post-25643902846749811862017-11-10T09:38:48.106-08:002017-11-10T09:38:48.106-08:00That's a great point about the electric car ba...That's a great point about the electric car batteries. It sounds like a good idea for our driving about town since we have deliberately engineered a short commute everywhere but I'm also a bit iffy about the longevity so I'll look forward to hearing what your experience is! <br /><br />Travel for 2018 is hovering in the back of my mind. I'd normally be planning now but getting our financial and physical houses in order are first priorities. I'm enjoying the house too, and we have guests coming to visit in the next few months as well so that's a bigger priority. <br /><br />So for now, planning consists of racking up points and miles to cover our travels like for my dream epic vacation to Japan or Italy or .... some place else at some unknown time. <br /><br />Revanchehttps://www.blogger.com/profile/07293868300535734672noreply@blogger.comtag:blogger.com,1999:blog-2445523662180116681.post-31714732376272682992017-11-09T08:06:28.504-08:002017-11-09T08:06:28.504-08:00You were very smart to think about those batteries...You were very smart to think about those batteries in the electric car. I have heard they are beyond expensive and go right at the 3 year mark. I would have a planning meeting with D every weekend if I could. I love to plan, implementation is where I need the work! I am very excited to see how your stopping work goes. Maybe consider keeping the cleaners until you actually stop working. With the travel, the boys activities and life while you are working, it may cause a lot of stress. Maybe just cutting back how often they come?Jenniferhttps://www.blogger.com/profile/02863887265545701157noreply@blogger.comtag:blogger.com,1999:blog-2445523662180116681.post-6882400715012027242017-11-09T01:09:53.182-08:002017-11-09T01:09:53.182-08:00It's always exciting (and rather eye-opening) ...It's always exciting (and rather eye-opening) to read posts like yours - well planned, well thought out, consideration for yourselves and the kids, etc. I struggle with planning for myself, so 2018 needs to a bit of a kick in the pants for me (I'll be 51) in respect of finances and health and getting myself together. I'd also like to get back to school so have to plan for that cost (although it won't mean quitting work, fortunately), as well as take one or two trips to the Continent if at all possible. I've been in the UK for 4 years now and haven't gone international yet! :O Excited to see how things come together for you next year! xxNorthern Living Allowancehttps://www.blogger.com/profile/06663851212929175711noreply@blogger.comtag:blogger.com,1999:blog-2445523662180116681.post-88316469610995623632017-11-08T16:59:49.303-08:002017-11-08T16:59:49.303-08:00Love it! Planning is my favorite. We've had yo...Love it! Planning is my favorite. We've had young kids for so long & retirement felt so far off. Now that we're a little more than 1/2 way through the "kids at home" phase, it's exciting & daunting to consider the next planning cycle. But, fun. I'm enjoying it. Particularly the freedom to relocate.<br />Hawaii Plannerhttps://www.blogger.com/profile/04760426766801381563noreply@blogger.comtag:blogger.com,1999:blog-2445523662180116681.post-6708368619287395712017-11-08T16:48:59.473-08:002017-11-08T16:48:59.473-08:00I never regret travel, particularly with family. S...I never regret travel, particularly with family. Sounds like a fabulous trip! I'm also younger than hubby, but I think he will likely work longer than me - his choice. He doesn't ever "want" to be retired. I'm 41 & he's 50, so similar age gap. I'm totally open to a part time job now & in the future, should it make sense. Hawaii Plannerhttps://www.blogger.com/profile/04760426766801381563noreply@blogger.comtag:blogger.com,1999:blog-2445523662180116681.post-31508395994786465802017-11-08T16:43:54.953-08:002017-11-08T16:43:54.953-08:00I have found my kindred souls financially on the w...I have found my kindred souls financially on the web with you and Cheap chick. I have an excel spread sheets for now through hubs and I turning 95 and 91 respectively! On paper, it all looks great, factoring in travel, college, weddings. Our big unknown, everyone's unknown is the cost of retirement once we can't be independent. I do not wan tot be a burden on my kids, but also do not want to be in a retirement home. I hope I am like my parents and hubs grandma on his dad's side-just decide one day to be done, while having lived in my own home. SAMhttps://www.blogger.com/profile/16485146123969622896noreply@blogger.comtag:blogger.com,1999:blog-2445523662180116681.post-18911493254171453312017-11-08T13:45:08.773-08:002017-11-08T13:45:08.773-08:00Our big Italy and France trip in May with 2 kids (...Our big Italy and France trip in May with 2 kids (much money but worth it) which is 90 percent totally saved for. We also have been doing some planning for retirement. I am 48 and hubby 55. I have done budgets up for when he is 60 which is the earliest we would shut our business down and then at 65. Due to our age difference the budgeting side is difficult as I collect pensions much later. Likely I will just have a parttime job when he retires and I am fine with that, gets me out of the houseCheapchickhttps://www.blogger.com/profile/15158208632054014311noreply@blogger.com