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Last year my wife and I picked up backpacking after many years of doing other things, like being parents. Our first trip last summer was a challenge. Even though we picked a relatively easy trail, and not too far in, we barely made it to our destination. Perhaps we were just too old for this kid’s sport, or just weren’t in shape. The only thing I could think of, other than going to the club more, was throwing out the old gear and buying the latest lightweight gear. It was amazing how much weight we got rid of in our tent, sleeping pads, cooking gear and even backpacks. We bought smaller packs, making us leave some of our stuff at home that we could life without.
A recent blog from Michael Kitecs talks about how our default tends to be to adding stuff over time. He states:
“This proclivity to create more space for the accumulating stuff we keep adding to our lives (as an alternative to getting rid of stuff) doesn’t apply just to our physical ‘stuff’ – it tends to carry over to other aspects of our lives as well. We want more freedom to be able to engage in more activities or to work more hours to gain more financial success… the list goes on. Adding elements to a situation is often how we approach solving problems, issues, concerns, and even our goals and desires.”
Fighting this urge to take on more stuff, physical and emotional, may lead to a higher level well-being. It sure helped us carry our packs to our campsite.
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NAPFA Personal Finance Blog Information from other fee-only advisors
Kiplinger.com Great personal finance magazine
ConsumerFed.org Consumer Federation of America
Consumer.gov Lots of info on ID theft, do not call registry, etc.
Experian.com Obtain your credit report
ConsumerReports.org Consumer Reports magazine
HSAColorado Health Savings Account providers in Colorado
BankRate.com Rates for CDs, loans, etc.
ICFE.info Lots of info for parents and children, credit repair
SavingForCollege.com 529 college savings plans
EFC Plus Our partner for college planning services
CollegeBoard.com SAT sponsors information
FinAid.com Financial aid for college with calculator to determine aid qualifications
FastWeb.Monster.com Free scholarship database
StudentAid.Ed.gov Apply here for federal aid (don't have to be poor)
Morningstar.com Info on funds and stocks
Finance.Yahoo.com Lots of data on historical prices
NAREIT.com National Association of Real Estate Trusts
PublicDebt.Treas.gov Buy U. S. savings bonds
CFP.net Certified Financial Planner Board
NAFPA.org National Association of Personal Financial Planners
Dora.State.CO.us Colorado State Division of Securities- Check my registration
SEC.gov Securities and Exchange Commission
IRS.gov Internal Revenue Service
SSA.gov Social Security Administration
TaxColorado.com Colorado tax authority
https://www.caring.com/ Best overall senior and caregiver information
Livingto100.com Best life expectancy calculator-try it out
AARP.org American Association of Retired Persons – Anyone over 50 can join
Medicare.gov Find out about benefits and your eligibility
Money Saving tips for Seniors All kids of information on saving money.
BenefitsCheckup.org Information on government programs to help seniors
COBar.org Colorado Bar Association: Info on estate planning, probate costs in Colorado
AgingLifecare.org Find a caregiver at the National Association of Geriatric Care Managers
Preventing Elder Abuse Preventing Elder Abuse
ryan-insurance.net John Ryan offers Life, disability and Long-term Care Insurance.