Friday, August 6, 2010

FNK (Frugal, no kids)

I read a great many blogs related to frugality, money management or saving money. Most of them have good days and bad days, but it's always interesting reading.  Even at this level of my life I enjoy different perspectives and you can always learn something new.

The one thing I notice about many if not most frugal blogs, is that they spend a great deal of time discussing frugality in terms of raising children. Clothing sales, frugal home school, how to get school supplies frugally-these are all the meat of many frugal blogs. I understand this. When young families start out, this is generally the time when money is tightest. School loans are being paid off. Wage earners are at the beginning of their careers.

The thing is though, that there is a whole generation, a group if you will of single or married folks without children who need and use frugal advice as well. Maybe they are in a career that pays not very much money, maybe they've lost jobs. They could be someone like me, living on a widow's pension instead of my husbands professional salary.  They could be middle aged or retired, having lost much of their retirement and living on a great deal less than they had planned.

The other type of financial blog is the so called "retirement blog".  These blogs generally spend most of their time on planning for retirement or maximizing one's investments after retirement or a layoff. While this is helpful to some folk, single people, empty nest boomers, retirees and the like need a different kind of financial advise. The economy has changed the landscape for people in this country drastically, and many of us who would have been comfortable retirees, or DINKS for example, are now looking at ways to save money and live the life we want.

As I take this blog in its new direction, I hope it will be enjoyable, and provide insights to a few people here and there. I'm sure there are many people out there like me, be they twenty, forty or sixty, who have less income than they hoped, and want to live richly on what is available, whatever the reason. I'm not a professional, and I never play one. but hopefully we'll all have a good time.

4 comments:

  1. Hmm--people who have less income than they would have hoped. Certainly sounds like moi! I, for one, look forward to what you have to say on the financial front. (Just don't try to interest me in crafts--I gave that up at age 8 when I entered my handknitted slippers in the county fair, and received the gently worded critique: "You do know you sewed them up inside out, right?" Uh, no, I didn't. And thus ended my career in handicrafts.)

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  2. Oh have no fear, most of the sewy quilty stuff will be elsewhere with a bit mixed in. Although I did not learnhow to quilt until I was well past forty........money, or lack of it in my case, is the focus here.

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  3. I can really relate to this post, Barb, I'm a single Texas lady who is semi-retired (by my defintion). It's frustrating to have to wade through tips and techniques for frugality only to find they don't apply to me. I look forward to reading your blog.

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  4. Good for you. My kid is in college as well, and therefore I also find that skews what I personally find relevant.

    I narrowed my blog in a different direction (geographic) -- and make no apologies for that.

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