I celebrated 49 years earlier this week. I have been on a fixed income since my late twenties, as the result of a disability. As prices go up, and my income does not always keep up I find it necessary to watch my expenses very carefully (as we all do these days). I am careful to live within my means, and I have all my necessities. However, sometimes it is necessary, especially if I want something special, to put delayed gratification in place. Sometimes one penny goes where another might be spent.
I am looking forward to learning new ways of saving and budgeting.
"Men's best successes come after their worst failures"
Henry Ward Beecher