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Cycle Through Life

As we go through life we develop habits, a way of doing things.  Some of them are our own, some of them are done to accommodate the likes/dislikes of those around us.  As we cycle through life those things change.

We develop likes and dislikes, ways of doing things, and personality traits from our parents, grandparents, siblings, other relatives and friends as we are growing.  Then we become adults and move away from those we have grown up with.  Some move away to attend college, some branch out on their own, living the single life, and others, like me, leave their parent’s home when they marry.   Each of those different events will impact the individual person and their overall personality.51bdc659e738f0ad63064c508af86513

I grew up in a small town far away from distant relatives, I left my parent’s home when I married just before my 21st birthday.  With my marriage I moved about two hours away from home.  The person I married was not controlling, but he was nine years older and had far more life experiences than I.  He had served overseas in the military, been married and had a child, and purchased a home.   Looking back I adapted to his way of doing things more-so than he adapted to mine.   He paid the bills, serviced the cars, did home repairs, and was the driving force in any major purchases.  I was more willing to keep things as they were, to more or less “make do” with what we already had.  That is how we lived for 34 years until he passed away in December 2015.

When he passed away I was living on my own for the first time in my life.  I spent a couple years in a bit of a vacuum, going through the motions of life without really experiencing it to its fullest.  I learned to do things I had never done before, such as yard work, getting cars serviced, and paying bills.  You could say in that way I grew during that period of time, but I didn’t really evolve, I simply functioned.

With the help of a friend I began to re-evaluate where I was at and what changes I needed to make.  I took a good look at the investments I had, and the company my husband had us with was not making me any money, in fact after paying the service charges I had lost money over the course of the two years since his death.  I’m not a math person, but I’m not stupid.  I needed a new financial advisor and I followed the recommendation of a friend and made a change.  It has been a good one and I feel my financial future has a more positive outlook.

What-you-dont-have-you-may-gainIn looking at my investments I also took a good look at my living expenses v. income and realized that while I am making my bills with the assistance of my husband’s life insurance, I can not really consider that “living in the green.”  Let’s face it, the life insurance savings won’t last forever, and living month-to-month is not the way I want to spend my retirement.  I also realized that I can not retire and continue to live where I am at.  The decision, I need to downsize.  Now there is a lot of stuff in this house that I must sort, decide what to keep, what to toss, and what to sell.  That will take some time.  I would like to be out in six months, a year is more realistic, and it may take beyond that.  However the longer it takes the more money I am spending on this house that I could be saving or using for more fun things.

Fun things.  I am going to do some fun things this year.  For the first time in about three years I am going to take a real vacation.  I have to admit, once I made the commitment, put down the deposit and booked my airline flights I had some difficulty sleeping for a couple nights, but now I am looking forward to it.  My first international flight on my own, I will be flying to Calgary, Alberta, Canada for the Calgary Stampede and spending 11 days out there.  I have a friend who will meet me in Calgary.  We will be staying in his motor home and taking in some of the scenic sights of the area, doing photography in addition to attending the Stampede.  It should be an awesome trip and I am looking forward to it.

I have a girl’s weekend planned in Mackinac City.  The weekend is a yearly event with my sister and two cousins, and we always change locations to keep it interesting.  There is also the possibility of another weekend trip into Canada with a friend, but that one is only tentative at this point.  59caa4c54b27d61f6a921ea8a3146eb4

So, where am I in the cycle of life?  I am in a growing stage.  I have broken free of the “me” that I was when married and becoming the “me” that I am as a widow.  I have started to walk around my house doing a visual inventory.  “That was him, it goes.”  “That is me, it stays.”  Sometimes it is “That was us” and with those items, some will stay and some will go.  When I move out of this house it will be a good, clean break and I will be continuing the ride as I cycle through life.

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Filed under Cleaning, Coping, decisions, Discoveries, exploration, Family, freindship, friends, friendship, habit, home, impressions, Life Changing, Life is a Melting Pot, marriage, memoir, reality, time, travel, vacation

Making Decisions

Life gets busy and we tend to let time move past without really analyzing where we are in life compared with where we want to be.  It is when we take the time to step back and re-evaluate our position that we are able to determine our next step in accomplishing our overall goals.    This applies to anything in life…employment, relationships, finances, hobbies, etc.

For the past twenty months since my husband passed away I spent time reducing some of my expenditures, rolling over investments without really paying attention to them, and learning to pay bills.  I initially developed a budget but I did it without a clear understanding of my overall financial situation.  I realized I wasn’t in the best of situations, yet allowed myself to float along for a while.   Decisions by successful people

One to two months ago I started taking a harder look at my budget, my overall financial standing, and where I am compared with where I want to be at retirement.   The process while a bit stressful was also very enlightening.  I enlisted the assistance of a trusted friend in reviewing what I had to see if my thought process was on track and solicited suggestions.   The realization was that I need to make some changes, and I need to make them faster than I originally thought in order to secure a better future for myself.

While parts of the decision making put pressure on me to accomplish some tasks faster than I originally anticipated, the completion of those things will put me in a better position both financially and mentally to move forward with my life.  The decisions to make major changes in ones life are not easy, but they can also be enlightening.  While there will be difficulties along the way, and some of my decisions will also impact others, once the dust settles down things should be better for me and others.

decisions2So what am I doing?  I am going to downsize by sorting my belongings and accumulations of the past 36 years into keep and sell piles, and I am going to downsize out of my home and into something smaller and more manageable for me, both in upkeep and cost.   I am changing financial advisors in the anticipation that my investments will provide me with better earnings for my retirement.   I am going to forgo some of my activities and/or volunteer positions so that I have less commitments and more time to devote to things that I need or want to accomplish, such as the downsizing, running my photography business, and my writing.

Life is always evolving, always changing.  If you have areas you believe need improvement or with which you are unhappy, take a hard look at things and make changes that will provide you with the lifestyle and overall happiness you deserve.

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Change Equals Growth

When I stumbled upon this quote about how one pictured their life I throught instantly that it fits me perfectly.  A year ago my husband was fighting cancer, he was receiving chemo.  We assumed it was working but it wasn’t.  A year ago I would’ve never pictured my life the way it is now.  Life - A year Ago I would never have pictured my life as it is now.

Change Equals Growth was a motto that Ron adapted as he was fighting cancer.  The disease changed him; it also changed me…as did his passing.  A year ago the possibility of Ron dying had me terrified.  I didn’t know how I would manage things.  Then December 7th arrived, Ron passed, and I had to manage things.  Much of what I have handled in the past six (almost seven) months are things I had never dealt with in my life.  I know I am not doing them the same way Ron would have, but I am doing them my way, and that is the way it should be.

Ron handled everything financial — bills, loans, investments, taxes, insurance, and real estate.  He handled all the yard work, house maintenance, and vehicle maintenance.   Those are important things that I suddenly had to juggle and am still in the learning process with some of them.  I was forced to change, to learn to tackle numerous things while under the emotional stress of my husband’s death.  Change equals growth, and through this process I have grown.

Let GoI have applied and received a mortgage modification, learned to pay bills, met with our financial advisor, gathered tax information for our CPA, handled an IRS audit, closed our joint account and opened my own account for handling of stocks.  I have contacted numerous accounts and had things such as cell phone, internet, cable, vehicle insurance, utilities, and vehicle loans changed into my name.  I have handled contacting service people such as a plumber for a leaky toilet, car maintenance, and the hot tub store for an uncompleted repair that began when Ron was alive.  I will be calling to have someone out to repair my air conditioning that stopped working.  I have learned to run the riding lawnmower, how to put gas into it and how to use a jumper box to jump it if necessary.   I discovered our weed wacker was too heavy and difficult for me to start and operate, so I selected and ordered one that was more suited to my abilities.  I have listed property and vehicles for sale.  I have made decisions on how to juggle money and make payments on time.  I have grown throughout this process.

I have gained confidence in my abilities to handle things I never considered myself capable of in the past.  I have learned that what doesn’t get done today can be tackled tomorrow, that I can’t accomplish everything in the time frame I would like to and that is okay.  life - 10 years from now make sure you can say you lived your life and didn't settle for it

A year ago I would have never pictured my life the way it is now.  Change equals growth.   I have changed, I will continue to change.  I will continue to grow.  Everything happens for a reason.  I look forward to whatever good things life throws at me, because I can and will tackle them.

 

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Filed under cancer, Coping, decisions, Life is a Melting Pot, memoir, reality, time