Budgeting, wills and taxes…

Its been nagging at me.  I think about it every day with a sense of dread. 

On the massive Excel spreadsheet, I created for our 5 to 10-year worldwide journey, there is a worksheet page entitled “To Do in Scottsdale.”  It contains all the paperwork tasks we’ve had to complete before leaving the country on January 3, 2013. 

“To Do” lists never intimidated me, no matter how lengthy. I’ve always taken great comfort it chipping away at task after task ensuring each one completed in its entirety before going on to the next. 

Yes, I know.  I’m rather obsessive. We live with that.  It doesn’t intrude in the enjoyment of our lives, we don’t fight about it and it doesn’t prevent us from a rich and full life. 

Perhaps, in a certain way, it adds to our lives by eliminating thoughts of all the “things” we have to do.  One by one, I chip away at them, freeing our thoughts to more fulfilling moments.  No one ever heard me say, “Oh, I can’t come to the party ’cause I have to fill out forms.”  Never.

So, on that “To Do in Scottsdale” sheet we’ve knocked off everything (many of which I posted here and there) except for the following:
1.  Prepare and get new wills notarized (our bank here will notarize at no cost)
2.  Prepare and get new Living Wills and health care directives notarized.
3.  Prepare our taxes up to date, amending the last two weeks of this month at the end of the month forwarding everything to our accountant by snail mail. 

Oh, tax prep, I despise this task!  Always have, always will. Yesterday, I began the process and today, it will be completed except for additions as mentioned above. 

We couldn’t imagine living in Belize, steps from the ocean and ever feeling like going through that bag of receipts, let alone hauling them along with us. In future years, we’ll have used our handy Doxie portable scanner, saving all tax-related items.  Much easier to do as we go then dread it all along.

A few people have asked, “Will you still file tax returns and pay taxes in the US?”  The answer is “yes,” always. We will always remain US citizens, as do many ex-pats living outside the US. 

Having saved every receipt for absolutely every dime we have spent since leaving Minnesota on October 31, 2012, it was also time to enter our “actual” costs into that budgeting expense record.  Upon completing the tax portion which I will finalize today, I started totaling the other expenses, such as food and entertainment.

Our total cost for the three-day drive to Scottsdale $780.  We had budgeted $1065 but arrived one day early.  Fortunately, the property manager didn’t charge us for arriving a day early but had he, we still would have been within the budget.

Preparing the taxes and totaling the receipts (all of which we’ve saved) finally enable us to see how we’re doing on our budget.  As I mentioned, going forward, we’ll log (scan) and toss each receipt as the expense occurs to avoid hauling around a growing bag of receipts.

Here’s where we are so far for the variable expenses for food and entertainment with only 18 days left in 2012.

Groceries for Scottsdale
Budget:  $ 1700.00     Actual: $ 696.00

Dining Out & Entertainment for Scottsdale 
Budget:  $  300.00      Actual: $501.00

Total Budget for Groceries and Entertainment for two months: $ 2000.00
Actual (so far):                                                                   $ 1197.00
Balance available until we leave for Henderson next week:     $   803.00

Groceries for upcoming 8 days in Henderson over the holidays
Budget: $ 600.00

Dining Out & Entertainment for upcoming 8 days in Henderson over holidays:
Budget: $ 450.00

We’ve been in Scottsdale 40 days as of today, arriving on November 3rd for an average cost of $30 per day.  With 6 more days until we leave for Henderson, we’ll plan to spend another $180 for a total of $1377, leaving us an overage of $623.00.  Thus, our total available for Henderson is $1673.

Preferably, it won’t be necessary to use this overage, putting us ahead of our budget right out of the chute.  We’ll see how it goes, posting our “actual” costs later.  Of course, there are other costs we are reviewing and will be posting as we go along.

Today, I will finish the tax prep after my trip to the health club, leaving the file ready to receive the remainder of this month.  Tomorrow, we will re-do our wills bringing them up-to-date and re-do our living wills, getting them notarized at the end of the day.

Also, VisaHQ, our visa, and passport processing company, sent us an email that our second passports will be in our mail within one week.  Yeah!  We did all the paperwork correctly! 

By this weekend, we can relax knowing that the worst of our paperwork is done, a huge relief.

Isn’t this part fun?

Oh, no!…Tom’s clothes don’t fit…

The risk was real.  Tom was losing weight while I packed for our 5-10 years on the road, traveling the world.  Some suggested we bring one duffel bag each. If we were going for a weekend, that would have made sense. 

We have no home to go back to and repack.  We have no place to go and do laundry and get ready for another round.  Dirty clothes, travel with us.  So, we packed big.  When we arrive at our various vacation homes, we’ll wash clothes.  On ships, we’ll place them in a cloth laundry bag to haul to our next location.

We are OK with this. It’s been discussed at length. So we each have three bags, a carry-on, a computer bag, a purse and, two 250 pound capacity wheeling carts that hold it all.  Once we go to Africa and return to Europe, we’ll mail our big boots and Africa clothes back to Nevada in order to lighten the load (thanks again, son Richard).

We had decided that toward the end of our time in Scottsdale that we would repack, suctioning the air out of our Space Bags, sorting cruise suitcases from the others. This way we’d only have to open one or two bags each during the cruise.  This idea came to us only after the bags were already packed months ago.

When I shopped for Tom last summer, he was down about 30 pounds.  The weight loss had slowed to a snail’s pace and honesty, I didn’t think for a moment that he’d lose another 20 pounds.  We were enjoying our way of eating (low carb, grain-free, sugar-free, starch-free) and he was losing about one pound a month at that point.  Who knew?

When he started eating this way 16 months ago, he wore size 44 pants, mainly due to his belly, certainly not the rest.  When I purchased his new clothes, I purchased size 38 pants and XL shirts figuring at the very most he’d lose another three or four pounds until we left the US, thus not affecting the fit. 

Since shortly before we left Minnesota, he’s since lost another 20 pounds now down a total of almost 50.  Wow!

Who cares about clothes?  My man is healthy and slim! His health had a complete turnaround.  He’s now a size 34.  Yesterday, we unpacked all of his clothes.  There are 18 (yes, 18) pairs of a combination of shorts, casual khaki pants, dress khaki pants, jeans, and dress/suit pants (for formal nights on cruises) that would fall off him if he wore them. And I mean falling off! They look ridiculous! 

We can salvage the swimsuits. They have the string ties in the waistbands. OK. Guys wear baggy swimwear, don’t they? But the pants have to go! 

Today we are taking everything to an alterations shop in Old Town with the thought that we’ll only have the dress pants altered.  We’re bringing along the other 15 items.  Maybe, just maybe, the tailor will be willing to give us a deal on the lot of them, getting them done in less than three weeks  Unlikely.  It will probably cost less to start over.

If the tailor is not cooperative, we’ll go shopping this week in Scottsdale to replace everything.  There’s no time to shop online with only a week until we leave for Henderson, Nevada for eight days for Christmas with family.  We’ll have no time while we’re there.  Plus sales tax is higher in NV as opposed to AZ.

Tom despises shopping but I’m fast. He can wait in a try-on room while I’ll throw the pants at him. He can bring his phone and play Angry Birds while he’s waiting.  It will be OK.

Hum, 10 inches lost in the waist. Remarkable! Better health. Amazing! Perfect colonoscopy and endoscopy results.  Astounding!  No more IBS.  Impressive!

Able to carry bags without puffing and panting. Yeah! Who cares about buying new pants? No one.

Here’s our updated itinerary!…

Locations Days Dates
Minnesota to Scottsdale 4 11/1/2012 – 11/4/2012
Scottsdale 61 11/4/2012 – 1/2/2013
Scottsdale to Las Vegas – Vacation Home 8 12/19/2012-1/1/2013
Scottsdale to San Diego – stay with family 2 1/1/2013-1/3/2013
Cruise San
Diego to Fort Lauderdale – Panama Canal 
15 1/3/2013 -1/18/2013
Fort Lauderdale to Boca – stay with a friend 3 1/18/2012 – 1/20/2013
Cruise-Fort
Lauderdale to Belize 
8 1/21/2013-1/29/2013
Belize Rental – House on the beach, Placencia 60 1/29/2013 – 3/31/2013
Belize Rental – House on
beach, Ambergris Caye
8 4/1/2013-4/9/2013
Cruise Belize to Miami  – Cruise 3 4/9/2013 – 4/13/2013
Cruise Miami to Miami  – Cruise 7 4/13/2013-4/20/2013
Cruise Miami to Barcelona
Cruise
11 4/20/2013 -5/1/2013
Cruise Barcelona to Mallorca 4 5/1/2013 – 5/5/2013
Barcelona Hotel  1 5/5/2013 – 5/6/2013
Cruise Barcelona to Dubai 15 5/6/2012 – 5/21/2013
Dubai Condo – High Rise Tower
overlooking Palm Island
13 5/21/2013 – 6/3/2013
Flight Dubai to Barcelona 0 6/3/2013-6/3/2013
Hotel Barcelona 1 6/3/2013-6/4/2013
Barcelona to Venice – Cruise 12 6/4/2013-6/16/2013
Venice to Tuscany – Train 0 6/16/2013
Tuscany Rental – 17th-century villa 76 6/16/2013 – 8/30/2013
Tuscany to Rome – Train 0 8/31/2013
Rome to Kenya – Flight 2 9/1/2013
Kenya Rental – Diani Beach house 90 9/1/2013 -11/30/2013
Kenya to South Africa – Flight 1 11/30/2013
South Africa Rental – Kruger National Park – House 116 12/1/2013-3/26/2014
Kruger National Park to Durban, South Africa – driver 0 3/26/2014
Durban to
Cape Town – Cruise -Not available yet
4 3/26/2014 – 3/30/2014
Cape Town to Genoa Italy –
Cruise- Not available yet
18 3/30/2014 – 4/17/2014
Drive Genoa, Italy along French Rivera to Cannes 1 4/17/2014
– 4/18/2014
Cannes to 16th Century Stone House, Cajarc, France 30 4/18/2014 – 5/17/2014
Stone House to Lisbon Airport – Flight to Madeira 1 5/18/2014
Liliana’s Village, Island
Madeira House overlooks the sea
76 5/18/2014-7/31/2014
Spain, France, London rentals – not booked yet 62 8/1/2014-9/17/2014
London to Fort Lauderdale –
Cruise – Not available yet
14 9/17/2014-10/1/2014
Fort Lauderdale to Boca – stay with a friend 4 10/1/2014-10/5/2014
Fort Lauderdale  to San Diego- Cruise – Not available yet 14 10/5/2014-10/19/2014
Ensenada Hotel 3 10/19/2014-10/22/2014
Ensenada to
Honolulu- Cruise – Not available yet
11 10/22/2014-11/2/2014
Hawaii Rental -Not booked yet-awaiting cruise postings 43 11/2/2014-12/15/2014
Hawaii Rental – Big Island
House
30 12/15/2014-1/14/2015
Hawaii Rental -Kauai Condo 120 1/15/2015-5/14/2015
Estimated Total Days  952
5/14/2015
on-continue booking worldwide locations 

Never been cruising?…What????…

Many have laughed when we say that we have never been on a cruise and now, we’ve booked eight cruises.  How risky, they say.  We ask, “What’s the risk?”

When we’ve dared to ask what they perceive as the risk, here are the answers:

1.  Seasickness:  Unlikely, since both of us are avid boaters.  If we could avoid seasickness bouncing around in a small fishing boat on a very windy day on Mille Lacs Lake in Minnesota with nary a thought about seasickness, it’s highly unlikely we’ll get sick on a giant ship with built-in stabilizers.  Backup plan: we have several prescribed packets of Transderm Scop.

2.  Boredom:  Nope, not likely.  Tom and I are easily entertained. We will participate in many activities, meet people, play cards, attend classes, and relax in a chaise lounge by the pool reading downloaded books on our phones.  The options to be entertained are endless.

3.  The food will be a problem with our limited diet:  Why would the food be a problem?  We eat.  They have food.  Will we be tempted on occasion to try something we don’t normally eat? Sure.  But we’ll remind ourselves every day that our ability to travel the world is predicated upon our good health. Why jeopardize feeling well for even one day for a French pastry?  To me, it’s not worth it. For Tom, he may occasionally try a few items.  Neither of us will judge the other for their personal decisions, although we’ll continue to offer loving support on staying the course. 

4.  Tiny, cramped cabin: We booked a balcony cabin for each cruise and managed a few upgrades to mini-suites. We’ll spend little time in our cabin. Our world-travel bags currently are all in our bedroom here in Scottsdale, only slightly larger than a cabin (we measured).  We’ll stack them neatly in one area.  We’re tidy.  We’ll be fine.

5.  Extra charges aboard cruise:  As discussed in a post from earlier in the week, we’ve made decisions in advance, based on our budget as to what extras we will choose:  purchase Internet time, purchase cocktails when desired (not the overpriced beverage package unfitting a lightweight drinker) and experience one or two excursions.  (The exception to that will be the upcoming cruise to Dubai in May to see Giza, the Sphinx, and the Great Pyramids.  We’ll do all of these!)  Neither of us cares for professional massages, spa treatments, gambling, or spending money in the expensive shops. We have no room for trinkets in our bags.  We may incur a laundry charge aboard ship most likely upwards of $100 a load.  We’ve budgeted for the expenses that we anticipate and, leaving a margin for the unknowns.

I guess it all boils down to this: self-control.  We need only to remind ourselves of our next adventure, our next juicy steak topped with mushrooms and onions, our next refreshing glass of iced tea with a slice of lemon, and of course, the person we love sitting beside us who makes us laugh warms our heart and holds our hand through it all. 

Yesterday, while checking in online with Celebrity Cruise Line for our first upcoming cruise on January 3, 2013, we perused information for our later cruise leaving Miami on January 21, 2013 sailing to Belize where we’ll live for two and a half months on each of the peninsulas of Placencia and Ambergris Caye. 

We’ll be disembarking in Belize City, three days prior to the end of the cruise.  (We have written approval from the cruise line to disembark early).  We’ve discovered that the pier in Belize City is too shallow for cruise ships to dock and thus, we’ll be “tendered” to shore via a smaller boat. 

For a moment we both panicked envisioning the process of maneuvering our eight pieces of luggage, our computer and digital equipment bags, my handbag, and ourselves into a small boat.  This morning, after a fitful night we promptly called the cruise line to discover that the boat picking us up will be boarded via a large stable ramp to awaiting boats holding anywhere from 100 to 200 passengers at a time.  We’ll not only have assistance from the ship’s employees but also the staff on the smaller boats since they also assist passengers as they are boarding.  No fear!  Whew!

There’s no doubt that the simplicity of our “old” life avoided such decisions, avoided such challenges, avoided such risks.  In the perpetual search for familiarity, comfort, and ease, we found ourselves, happy but stuck in a groove we could have blissfully stayed as we lived out our lives in retirement. 

We’ve chosen “the road less traveled” to challenge ourselves, to expand our knowledge, to enhance our personal histories, and to celebrate and appreciate the amazing world and the people in it.  We’ll make some bad decisions, we’ll make some wrong turns, and at times we may wonder, “why are we doing this?”  But we’ll do this together, we’ll learn together and we’ll marvel together, always grateful and always in love.

Tom’s day for tests…

Most often I write the post for this blog every other morning.  This morning, as typical for medical procedures, we must be out the door before 8 am.  Tom is having both his colonoscopy and endoscopy, the final medical tests before we leave the US, four weeks from today.

Yesterday, was “clear liquids only” day.  He amazed me how well he did without a single complaint about hunger.  Since we’ve been on our low carb, gluten-free diet, either of us is seldom hungry, certainly never ravenous. It’s ironic how, when you feed your body what it needs, whole nutritious food, it sends out a few hunger signals.

Recently, we decided to stop eating based on the clock. Could we get our appetites in sync eating whenever we felt hungry as opposed to the time of day? Did the caveman watch a clock and go out and kill his meal in time for lunch or dinner? 

Hardly.  Most likely he hunted and gathered food for himself and his family, preparing it quickly to prevent spoilage which they consumed until stuffed, perhaps not eating again for another day or two.  Maybe we are meant to eat the same way to a degree. 

It’s not so much about hunting for our food in this modern world, but gathering our ingredients to create a healthful, nourishing and delicious meal to be fully enjoyed, eating again only when we’re hungry.  Both Tom and I love this concept.  Over the past several weeks, we’ve had dinner at varying times, huge breakfasts, and no dinner later that day, and now, for the first time, no real food all day.

So, yesterday, when “my hunter” was unable to hunt, I decided that I too would follow along and consume only simple liquids.  In this temporary home, smaller than that which we are used to,  there would be no place for me to eat without him smelling and seeing the food.  His gentle soul encouraged me to have whatever I wanted and he’d be fine. Instead, I decided to join him in this one day fast.

I considered making myself liver and onions, which he dislikes, but figured the smell might be intolerable on an empty stomach.  Instead, we ate a few sugar-free Popsicles, chicken bouillon, sugar-free Jello that I’d made the night before and plenty of iced tea and purified water.  We made it through the evening, hardly giving it a second thought as the day wore on.

At 5 PM he drank the first of two 6 ounce bottles of the prescribed SUPREP (with a ridiculous retail price of $75.  We paid a $25 co-pay) mixed with 10 ounces of water and the same again this morning at 5 AM, each time followed by an entire quart of water within an hour. 

He managed to chug down the 16 ounces of nasty tasting liquid along with the required quart of within an hour.  Nonetheless, it worked. Surprisingly, he slept through the night to be awakened by my cell phone alarm clock going off at 5 AM.  After the same drinking process again this morning, the results continued. All in all, the prep was relatively easy. 

If you have hesitated to have a colonoscopy due to fear of the prep, please reconsider.  A day at home watching mindless TV, lots of liquids, a few minutes of chugging a foul-tasting drink, multiple trips to the loo, and the first phase is over.
 
So, this morning we’re preparing to go out the door for the appointment soon for the second phase.  We’ll be reporting back here later today with what we hope and pray will be great results…that all is well and we may proceed with our plans to travel the world for as long as we want, as long as our health holds out until we get tired until we are sick of our bags or until we find a place along the way, that we mutually agree is truly where we’ll call “home.”  One never knows.

11:15 AM – We’re back from Tom’s test.  His signs of Barrett’s esophagus are gone!  He has no polyps!  The visible signs of irritable bowel are gone!  Dr. Larry Pass, here in Scottsdale, tells Tom to keep “doing what you’ve been doing!”  Our healthy diet has paid off in only 16 months. 

We hoped for this good result since Tom’s acid reflux disappeared within 30 days on this way of eating:  low carb, grain-free, wheat-free, starch-free, and sugar-free (no corn, no rice, no beans, no grains of any type). Plus, he’s lost 50 pounds of belly fat since August 2011!

We’re free to breathe easy knowing we can continue with our plans to travel the world. We are grateful.  We are relieved.  Perhaps, now, we can begin to allow ourselves the privilege of getting excited without trepidation and without hesitation. 

Now I must jump over to Dr. William Davis’s blog and thank him for the great inspiration he offered us when we read his book, Wheat Belly so many months ago.  Thank you, Dr. Davis!

Cruise decisions…

As the date for our first cruise inches closer, we find we must make some decisions about our upcoming cruising experiences.

Our first cruise, on Celebrity Century, has had a price increase since we booked it many months ago.  We paid $2199 plus tips and taxes for a balcony cabin, for a total of $5545 for the two of us, a locked-in price.  If purchased now, the total for two would be around the $9500 range (at $4199 each) with tips and taxes, $4000 more.

Here’s the current pricing information directly from our cruise booking company Vacations to Go

15 nights departing January 3, 2013 on
Celebrity’s Celebrity Century
Brochure Inside $1,449
The  Inside $1,049
You Save 28%
Brochure Oceanview $2,449
The Oceanview $2,449
You Save 0%
Brochure Balcony $4,199
The Balcony $4,199
You Save 0%
       
Thu Jan 3 San Diego, CA 4:00pm
Fri Jan 4 At Sea
Sat Jan 5 Cabo San Lucas, Mexico 11:00am 6:00pm
Sun Jan 6 Puerto Vallarta, Mexico 12:30pm 7:30pm
Mon Jan 7 At Sea
Tue Jan 8 At Sea
Wed Jan 9 Puerto Quetzal, Guatemala 7:00am 6:00pm
Thu Jan 10 At Sea
Fri Jan 11 Puntarenas, Costa Rica 7:00am 6:00pm
Sat Jan 12 At Sea
Sun Jan 13 Panama Canal (Full Transit) 6:00am 6:00pm
Mon Jan 14 Colon, Panama 6:00am 4:00pm
Tue Jan 15 Cartagena, Colombia 9:00 am 4:00pm
Wed Jan 16 At Sea
Thu Jan 17 At Sea
Fri Jan 18 Fort Lauderdale, FL 7:00 am

We decided when booking this first cruise that we would exercise our right to “buyer beware” by educating ourselves to the possible “up” charges that inevitably exist on cruises.  After reading reviews over these past several months, talking to experienced cruisers, and more recently calling the cruise line and asking questions, we feel satisfied that we have an idea as to potential additional charges. Over and again, we’ve heard from experienced cruisers as to the shock of seeing their “tab” at the end of their cruise, always backed up by a credit card, leaving no margin for negotiations or adjustments. 

One big point of discussion for us has been as to whether or not to purchase a “beverage package” for Tom.  I seldom drink alcohol.  Mostly, I drink copious amounts of iced tea or hot tea which is provided at no additional cost.  Tom, when socializing, may enjoy a few cocktails, otherwise, he doesn’t drink at all.  His drink of choice is Courvoisier, a pricey cognac, which we discovered would be $8 per cocktail plus a 15% tip.

The beverage package that works for his cocktail of choice is $810 (just for him!) for the length of the cruise, allowing him to drink all he wants and includes tips.  For one second we considered this.  He feels he cannot justify the expense since he doesn’t want to feel like he is pressured into getting his money’s worth.

On the other hand, I don’t want him to feel he can’t have a cocktail when he wants one so we went to work and did the math.

If he has three cocktails a night (highly unlikely he’ll drink every night), the total would be $27.60 per night x 15 nights for a total of $414.  Considering that some nights he won’t drink any alcohol but instead may have a non-included soda, we feel comfortable that the drink bill won’t exceed $400. 

Then, there’s the question of dining in any of the non-included restaurants. It’s unlikely we’ll choose to dine in these extra-charge restaurants due to our limited low carb, grain, sugar, and starch free diet. The exception to this would be a social situation whereby fellow travelers we’ve befriended invite us to join them at one of these restaurants. We’ll decide at the time if it makes sense to bear the added expense. We aren’t “tightwads.”  We’re world travelers with a desire to continue traveling for as long as our health holds out and that we stay within the budget we’ve established for our travels. 

We’ve allowed ourselves an average of $75 per day for extras on cruises.  If our alcohol beverage budget is $27.60 per day, that leaves us $47.40 per day in other extras. 

The next expense we’ll most certainly incur is the cost of Internet access on the cruise. At a cost of $395 for the 15 days, we will each be allowed 60 minutes of Internet access per day. (There were other less costly packages available but, cost per minute increased with lower minute packages).

As a result, I will write the blog offline then go online for posting, editing, and adding photos. This amount uses up $26.33 per day leaving us $21.00 per day average for incidentals which is enough for us to go on two excursions if we so choose.

Our habits of researching our travels, mindless reading online will literally be metered while we’re on a cruise.  Odd?  Yes, but do-able. We’ll have plenty to do to keep us occupied leaving us ample time to read one of many pre-downloaded books. 

Oops, there’s another task we must complete before the month ends…download books to the Kindle app on our phones and laptops, all of which may be read offline. It’s easy for me to imagine sitting in a lounge chair on the deck of the ship reading, NeanderThin: Eat to Achieve a Lean, Strong, Healthy Body” while Tom peruses, “The Family Tree Problem Solver: Tried-and-True Tactics for Tracing Elusive Ancestors.”    Ah, nice.

P.S.  Please excuse gaps in editing.  When copying and pasting from other websites, spacing becomes an issue in Blogger.

Living in Scottsdale, budgeting for this life..

Our Scottsdale dining table set for tonight’s dinner guests. Much to my amazement, there were linen napkins and placemats in the condo.  Five for dinner tonight.

We’ve been living in Old Town Scottsdale for almost a month, an ideal area for travelers.  Within a mile to the upscale shopping mall in downtown Scottsdale, walking distance to the Arts Walk District in Old Town, a mere 10-minute walk from our condo, we are literally within range of hundreds of eateries, shopping, and entertainment.

Fine dining is abundant as well as casual theme orientated bistros, cafes, and local versions of fast food, this area is limited in the usual sprinkling of chain restaurants, a delight to see.

While living in Minnesota, far from everything, we seldom dined out.  Tom drove almost an hour each way to work and back and the thought of a long drive to dining out was never appealing to us on the weekends.  We always blamed it on the fact that I enjoyed cooking and we loved lounging at home.

Now, we’ve confirmed that it was the drive more than anything that kept us away.  Living close to everything prompts us to look at one another each day asking, “Shall we go out to breakfast?” or “Want to go out to dinner tonight?”

Fast and furiously my fingers are flying across the keyboard reading the multitude of online reviews for the local restaurants.  We have yet to venture out to the half-hour drive to the McCormick Ranch area, where I had tried to find us a vacation home to rent for the two months, finding nothing under $4000 a month.  

Living in our well equipped and well kept 1100 square foot one-bedroom, poolside condo, we’ve been content.  The high-speed Internet works, although problematic when we first arrived, fixed immediately by the management company, allowing us to continue to work on our technology and research. 

View from our dining/living room in Scottsdale condo.

The kitchen has every gadget known to man/woman, except a rolling pin (I thought of making low carb tortillas, scrounging around looking for one).  There’s linen placemats and napkins (yeah!) and reasonably nice dishes.  The frying pan situation is lacking with one difficult to clean stainless steel pan and another old flaky Teflon pan I refuse to use. 

I’ve made breakfast using Reynold’s No Stick foil (on the dull side) on a glass 13 x 9″ pan, placing the sausages and bacon in the oven at 375 degrees to bake for 20 minutes while the huge low carb, gluten-free pancake bakes in the same time frame in a pie plate, again covered with the foil.  In the last four minutes I drop the eggs into the pan I used for the bacon and sausages.  Voila! We have a delicious baked breakfast and I must admit perfect jumbo pancake and eggs.

One might think it would make sense to buy a $10 pan while here for two months, but I decided long ago… improvise.  There will be vacation homes around the world severely lacking in many of the amenities we’ve enjoyed in the past.  Change and flexibility are in order going forward.

Last night we went out to dinner at a local diner in Old Town, David’s Hamburgers for one of the best bun-less burgers on the planet.  We’d gone there for a great breakfast on Thursday morning. 

Upon ordering the lettuce wrapped avocado adorned, stringy cheese, crisp onion, and fresh tomato covered burger for breakfast, I told Tom we must come back here for him to enjoy the same for dinner after he had eaten eggs, bacon, and sausage for breakfast. 

Drooling over the prospect of another of those burgers for two days, we went back last night enjoying a great reasonably priced meal in the cozy diner before attending another hilarious night at The Comedy Spot also in Old Town. 

We’re already “regulars” in Old Town as many of the seniors moseying around the area have become. Perhaps, the comfort of the familiar goes hand-in-hand with being a senior citizen.  In simple terms, “love the one you’re with.”

Living on a strict budget, documenting every expenditure makes us conscious of how we spend our money.  Now on a more fixed income, committed to all of our future travel plans, its imperative to continue to refer to our pre-planned budget so meticulously outlined on our Excel workbook with multiple spreadsheets. 

We have local copies of our budget saved to both of our laptops, to DropBox and also to SkyDrive, the cloud that came with Windows 8 and, of course on our new My Passport 2 terabyte external hard drive.  It’s safe.  

With that budget in mind, we’ve only dined in more upscale ($$$) restaurants three times since we’ve arrived in Scottsdale, each time spending $100-$120 with tips. Having budgeted for a few of these such occasions each month, we were comfortable spending the money. 

Our budget allows for $800 a month in groceries and approximately $300 a month for entertainment.  If we spend less on groceries, we have more for entertainment or we can roll it over to extras we may purchase on our upcoming eight cruises. 

Some may cringe at the thought of two people spending $800 a month on groceries.  Based on our diet of mostly organic vegetables and grass-fed meat, occasionally entertaining others, beverages, purified water, paper products, and cleaning supplies, we have found it nearly impossible to trim this number. 

Without a doubt, it will be near this number in other locales, although the grass-fed meat may be more economic in some parts of the world where it is more prevalent than the grain-fed meat supply here in the US.  We shall see and report back later.

Tomorrow, Monday, we’ll purchase two cashier’s checks made out to the US Department of State for $170 each to send to VisaHQ along with all the necessary completed forms, after paying their $154 in processing fees, to apply for our 2nd passports with extra pages.  They’ll be awaiting us at our mailing service in Las Vegas when we’ll head to Henderson to spend Tom’s 60th birthday on the 23rd and Christmas with family in yet another vacation home.

Lots of details, aren’t there?  When speaking with my wonderful friend Chere on Friday, a loyal reader of this blog, we both marveled at how travelers managed to explore the world before technology, before credit cards, before cell phones, before the Internet, before cameras, and before the myriad gadgets we use today. 

This left me asking, “what benefits do we derive having the availability of all of these resources?”  Convenience, simplicity, preparedness, and awareness, all of which could fly out the window in a single moment if something goes wrong. 

Oh.