Lamps and bowls from stormy weather…

Bowls I had made by a woodworking guy from downed trees in our yard after a storm.

When the powerful wind blows in from the south our storm door, whistles an eerie sound. This morning I bolted out of bed to that sound at 5:50 am, a short time after Tom had left for work. In my sleepy stupor, I thought I was hearing the train-like roar of a tornado.

My heart was pounding in my chest as adrenaline was pumping fervently through my veins. I sat down on the stairway landing, took a deep breath as a sudden wave of sorrow washed over me, remembering the storm of 2007 that took twenty of our mature trees.  

I recalled the many middle-of-the-night tornado warnings that sent us lumbering down the steep stairway to the basement, the power outages that lasted for days, prompting us to finally buy a generator (which we didn’t need to use for another five years).

As I mulled over all the dastardly weather-related events in our lives these past 21 years together, I smiled, as my heart pounding eased and my breathing returned to normal.  

I recalled the time the 10′ diameter, 500 pound round picnic table flew through the yard like a Frisbee, the snowdrift so high it took four men and a bobcat to break it down (while we stayed indoors stranded for days), the sturdy dock that flipped over, the pontoon boat that drifted away, the rain so hard and long that not only the road flooded but also our basement. We called the fire department to rescue us.  

We made it through, always grateful that it wasn’t worse, grateful we shared the experience together, grateful our family members, friends, and pets were all safe, and grateful for the way it changed us, a little bit at a time, always for the better.

It was Friday night August 10, 2007. Ragweed was in full bloom and I couldn’t stop sneezing. Taking two over-the-counter antihistamines around 10 pm, I anticipated I’d be out like a light in no time.  

Tom stayed awake to watch the weather, planning to come to bed shortly. The barometric pressure, the temperature, and the humidity had been outrageous all day and into the evening. In the morning, we planned to grab our ambitiously packed luggage in order to head out the door to catch a flight to Miami for a week long convention for Tom’s work and, a much-needed vacation.

At 3:00 am, Tom tried to awaken me to go down to the basement, to no avail. He later told me I had refused to get up. He came back to bed while the house shook with violent straight-line winds attacking us from all sides of the peninsula.  

The alarm clock didn’t go off as planned. The power was off. It was 8:00 am and we had to leave for the airport in one hour.  I bolted out of bed realizing we had overslept and dashed to the kitchen to turn on the coffee, which I needed more this morning than ever. But, the power was off. No coffee machine. 

It only took one glance out the window to realize that something awful had happened during the night. Running back to the bedroom to awaken Tom it became quite clear that we wouldn’t be leaving for the airport and we didn’t have to rush. We weren’t going anywhere.

Our tree-lined yard looked as if a bulldozer had come through knocking down every tree in its path. One giant oak tree with a 36″ diameter was down, along with dozens of smaller red cedars and pine trees. Gone. Gone was all of our newer patio furniture. Gone were all of our adorable handmade birdhouses.

Gone was the wood duck house with the huge tree it was secured to. Gone was the tree that WorldWideWillie climbed on command. Gone was the Weber grill along with its big black lid. Gone was the boat dock into a mangled, twisted mess on the lawn. Gone was the 26′ pontoon boat, it too a mangled mess lying on the rip rap shoreline.

The new siding on the house was severely damaged by falling trees, the stone chimney flue for the furnace, toppled over into a pile on the damaged thick wood shake roof. Hail damage on both of our cars. No power, not for 5 days. It was 95 degrees for each of the 5 days. Going to Florida seemed unimportant. We called and canceled everything.

After two weeks of hard work, no less than ten workers from tree removal companies, the considerable expense to remove the downed trees, most of which wasn’t covered by our insurance, a new pile of downed red cedar trees were neatly cut and stacked awaiting future fires in the fire pit.  

We were relieved that the house hadn’t been more severely damaged and of course, that no one had been hurt in the 3:00 am storm. Gawkers came from all over to see our devastated property. We were sad over the loss of so many hundred plus-year-old trees that not only changed the look of our yard, but also affected the lighting in our many-windowed home.

Days after the cleanup when Tom had gone back to work, I wandered over to the woodpile wondering how we’d ever use all the wood. Tom talked about using the logs to line our driveway, connected by heavy-duty marine rope. A great idea, but not practical with the narrow road.

One of Two Lamps Made from Downed Red Cedar Trees

As I stood there looking at the wood I knew I needed an idea to turn this loss of nature into a wondrous memory. It was that day that I decided to surprise Tom the next Christmas with lamps and bowls made from precious wood. 

After considerable research, I found a local woodworker who decided to take on the challenge. The following Christmas the giant wrapped boxes sat by our memorabilia covered Christmas tree with Tom’s name neatly written on the colorful little tags.  

The bowls were his birthday gift on December 23rd, the lamps for Christmas. Tears welled up his eyes on both occasions as he excitedly ripped open the boxes to reveal the sentimental gifts, each engraved on the underside with his name and the date of the storm.

The shades were purchased separately, made by hand with actual leaves embedded in the fabric, visible only at night for a pleasing effect when the lamps are turned on.  Need I say, he was touched by these gifts, assuming at the time that we’d have them forever. 

Each day, as we inch our way closer to the departure date of October 31, 2012, we face the reality that we will soon say goodbye, not only to those people we love and cherish, but also to these bowls and lamps, and the multitude of sentimental treasures we’ve accumulated over the years. 
We can only hope that whoever purchases these items from us will somehow discover a special meaning of their own.

As each of our lives nears the end, it is love that will accompany us as we travel on to our eternal journey. No lamps or bowls allowed.

Personal exposé…

Revealing one’s inner self is intimidating. Some of us are an open book, some of us never reveal anything about ourselves, and most of us, like myself, only reveal their truest feelings, deepest thoughts, fears, hopes, and dreams of those we know, trust and love.

As a lurker in Facebook, various blogs and web sites, and has been an obsessed Internet user since the early ’90s, (hence the name of my most recently lost beloved little dog, WorldWideWillie), I have preferred anonymity as opposed to notoriety.
Over the years my younger sister, Julie, a TV producer in Los Angeles, has asked me to appear in one of her many shows. In life, I am lively and animated. In front of a camera, I somehow turn into a stone statue with a curious forced smile that makes me (and others) cringe.  
Twenty years ago, she talked me into appearing on an episode of a gardening show she was producing. With sweaty palms, heart racing, and voice quivering I got through it. I was so inept as a performer that I was unable to watch myself on the video she sent a few weeks later, hiding it from Tom, throwing it away a few months later. With angst, I awaited its broadcasting, fearing friends and acquaintances would see it and call, pretending to enjoy my “performance.” Thank goodness, no one called.

Us lurkers tend to enjoy the quiet seclusion of our non-public lives, preferring to spend our social time with long time friends, neighbors, and family. Oh yes, at times, we can be quite the social butterflies, preferring to flutter among the familiar garden we have harvested over a lifetime.
So, here I am, writing for anyone in the world to see, about a very personal dream, its adjunct expenses (discussing money was always a “no-no” in my little world), my relationship with my more popular and outgoing husband, my fears (zip lines, vaccinations, bungees, bats, guano, being trapped on an airplane on the tarmac, stuck on a chairlift or tram and on and on). 
Also, I will be compelled to deal with the vulnerability of exposing the many mistakes we’ll make along the way, which invariably will fall upon me, as the “official world travel planner” in this pairing.
Reveal, I will. As hard as it will be to say here, that when we showed up at the supposedly lovely stone house we rented for a month in France, for which we paid in advance, is actually a freestanding 300 square foot vacuum repair shop in the industrial district, next to a chlorine processing plant. We’ll take the hit and we’ll take it here. Stay tuned.

Not many vacations…

Last August, Tom and I went to Hollywood, Florida for a work-related convention for six days. He was to be in meetings all day. My plan was to relax by the pool, read books on my Kindle, and soak up the warmth of the sun, none of which occurred. It was either windy, rainy, or cold.  

I spent each of the six days, going back inside, going up the elevator to our room on the 34th floor to get out of my bathing suit and into warm clothes. An hour later, I did the reverse, the sky would clear to a sunny 80 degrees.  

I worked out twice a day in the well-equipped hotel health club, reading four books and at times, wandered aimlessly around the hotel, hoping to strike up a conversation with another bored soul, such as myself.

The sound of the plastic card in the slot of the hotel room door made me squeal with delight as Tom opened the door at the end of each day, a wide grin on his face, his blue eyes twinkling. I couldn’t have been happier to see him.  

Our evenings were spent talking and people watching at various convention festivities, gabbing over candlelight in cozy local restaurants, or walking along the well-lit boardwalk on the inter-coastal waterway, conveniently located outside of our plush hotel.

This trip was a vacation for me, but unfortunately, work for Tom. We seldom went on vacation these past 21 years together, so content at our lakeside home, enjoying our vacation days as “staycation days” mulling around the house, moseying in our yard, fixing this and that, preparing for the upcoming season, entertaining our family and friends and providing a safe haven for our little dogs, who never once saw the inside of “doggy daycare” (Willie, the last of our little dogs, went to “doggie heaven” four months before this trip).

When we returned from Hollywood, Florida we both sighed, relieved to be back home, immediately nestling back into our familiar routines, our comfy chairs, our favorite TV shows, and our homemade meals, always prepared with the utmost of love. We were quite content to be back and to be together.  

No need to wander around the house looking for someone to entertain me. He came home each night after a hard day’s work. No need to change back and forth from bathing suit to clothes. I just leave the suit on.  No need to ride an elevator to the 34th floor, although I do walk down a flight of stairs and back up again while doing laundry or, up a flight and back down to prepare a guest room for company. Cozy candlelight dinners are had right in our own well-appointed kitchen.

I unpacked our overly stuffed suitcases, observing that over half the items we had packed were never worn; the extra shoes, the snacks we never ate, the toiletries we never opened. A day later, the dirty clothes were clean and back in the closet, the suitcases back up in the attic, the snacks back in the kitchen drawers. We were at home. We were happy.

How in the world, how on this planet, how in heaven’s name will we get rid of all of our “stuff,” pack all of our clothes in a maximum of 44 pounds each, be gone for 946 days (so far), have no permanent home, no TV shows in English, no comfy stuffed chair. Are we crazy or what?

Last Easter with the family for awhile…

Family life is often filled with traditions, the traditions we created for our children when they were young, that we adapted as they matured and those that we’ve rekindled for their children, our six grandchildren, years later. 

The comfort and familiarity of reenacting holiday traditions, each year filled Tom and me with guarded anticipation. Over these past years, we have come to accept, although at times painfully so, that our adult children have the right to build their own traditions that may at times, not include us.  

We recall the struggle and oftentimes, the guilt we felt when the first Christmas morning came when we chose to stay home as opposed to going to our parents’ homes. We wanted to savor Santa’s bounty with our own children, their eyes wide with delight as they anxiously ripped open package after package, them in their cartoon character pajamas, us with big coffee mugs warming our hands, all with the ease and comfort of spending this special time cozy at home.

And now, as their families have grown, their own traditions firmly rooted in their lives, in their own homes, we especially find ourselves reeling with the anticipation of all of them breaking away to spend special time with us once again, this Easter Sunday.

Practically dancing on my tiptoes, around our ten-foot-long dining room table, my arms were laden with gifts of every variety, candies carefully selected for special diets and preferences, I gleefully fill the 17 Easter baskets (including four pet baskets). I swap out one Thomas toy train for a Transformer truck from one basket to another, stepping back, visualizing the correctness of my decision, and smile. Each year, we always say, “this is the best year yet.” And it is.

Oh, good grief! I’d better improve my photo taking skills before we leave!

The meaning of Easter is not lost on our abundance of baskets, the colored eggs, the homemade bunny rabbit cake, the carefully planned and executed brunch, and of course, the painstakingly thought out game and Easter egg hunt. No, it’s not lost. It’s for forgiveness. It’s for thankfulness and, most of all, it’s for love.

This year is no different, the traditions are all here, the pile of fuzzy bunny rabbit ears everyone will place on their heads when they enter the door, the laughter over the rambunctious silly games, the glee in the voices of the little ones when they discover yet another plastic egg filled with candy, a small toy or a dollar bill.  It’s all the same. It’s all predictable. Laughter fills the air. It’s all heartwarming.

Tom and I will look at each other from across the room, our faces hurting from too much smiling, our eyes glistening with too many tears, as we enjoyed this last Easter tradition, knowing full well that we and they, will be building new traditions in the time to come.

Why so long???…

Our family and friends are asking, why so long? Why 880 days (so far)?

There are only a few answers to this question. Aging is one. By the time we leave the US, I will be 65 years old and although physically fit as a result of healthy eating, healthy living, and daily exercise, the ravages of “old man time” (darn him!) can be felt every morning as I step out of bed.

Tom will be 60 years old (“They,” say I robbed the cradle!), but after 42 years on the railroad, his knees and other joints are worn to the bone and he too feels the aches and pains upon awakening.   

There is no doubt that down the road, when and if we tire of traveling, we’ll hunker down to a warm climate and into the predictable senior citizen condo complex. We’ll get a little dog, play some bingo, hang out with guys whose pants are pulled up six inches above their waists, and with the ladies with the purple permanents wearing silky flowered print blouses. That will be us, as well.  

We have traveled very little these past years, always preferring to stay home to enjoy Minnesota’s short summers and our lake home. It often felt as if we were on a vacation on the warm summer days with the fish jumpin’ and the birds’ singin’, while we lounged in the comfy white lawn chairs.  

We didn’t have a care in the world other than to fire up the grill, pour ourselves a cold glass of something good, or to haul some wood to the fire pit for a roaring fire when the sunset (and the mosquitoes came out to indulge in our tasty flesh).  

We had traveled in our minds, a few years ago when we recorded every episode of the TV show, House Hunters International. We dreamed while we discussed the possibility of owning a home in an exotic location. As time has neared, (7 months and 2 days), we knew that staying in one place was the opposite of what we really wanted. We want to be “free” to explore the world.  

Tom believes that the state of the economy and that hyperinflation will take hold in the entire world. We will travel before the effects of such inflation will prevent us from being able to do so.  

Our last reason is simple. Tom and I both had our children when we were teenagers. We spent our 20’s making every effort, with a certain level of immaturity, to be responsible parents. In some ways we were successful. In other ways, we weren’t. 

As our family has grown with the addition of significant others, and six precious grandchildren, we feel their lives and their traditions are established and we can let go, with the love, with the hope and, the dream to share a piece of our adventure with all of them in times to come and to build new memories to cherish together, forever

The final criteria, lots more to follow…

Here we go! We’re wrapping up the all-important criteria today, allowing us to proceed to the equally important itinerary in the next post. As I mentioned earlier, listing these vital “rules” again and again is certainly tedious. 

Seeing them over and over, reading them aloud to Tom each time I write, is exactly what we’ve needed to be reminded of the importance of following these guidelines. Without them, the temptation to book expensive vacation rentals, overpriced cruises, and the occasional exorbitant hotel rooms would throw our financial plan out of whack.  

The goal of avoiding the necessity of tapping into our savings or investments is a huge motivator. Fear, the infinite motivator. Fear, being forced to stop this adventure due to financial constraints. Fear, canceling future travel due to health issues. Fear, the caves with the bats, the guano. Fear, the zip line.

Friends and family have asked, “What happens if you get bored?” We didn’t get bored living in our home together for the past 21 years, in the comfy chairs, enjoying lounging in a lawn chair in the summer, eating homemade meals, watching episodes of our favorite TV shows, chatting, laughing, and socializing.  

They also ask, “What if you get tired of traveling?” We’ll stop. We’ll cancel future plans, maybe lose a deposit or two but we’ll stop. We’ve agreed that if one of us wants to stop, the other will agree. Knowing this, comforts us. Knowing this, removes the fear. 

So, the remaining criteria:

Criteria #7:  Never stay in a vacation rental for less than one month. The rationale behind this rule is simple. Staying in one location not only reduces transportation expenses, but provides us with the opportunity to negotiate better rates when staying a month or more.  

Many of the property owners allow a stay of as little as three or four days, requiring added paperwork, liability, and cleaning. Their piece of mind is a substantial motivator for them to accept a lower rent for their property. As each month’s stay is extended in the negotiations, the price goes down proportionately. This will be illustrated by the rental amounts we will post with the itinerary.

Criteria #8:  No trinkets!  As tempting as “bargains,” “souvenirs” and local “handicrafts” appeal to us during our travels, we will resist the temptation. The cost of excess baggage along with the horror of hauling some heavy wooden objects all over the world is preposterous!

We will make a list of the items we encounter that tempt us. Once we settle someday, we will easily be able to find similar items online or in some cases, purchase them from the actual vendor’s web site. Often these tempting artifacts can be found for half the price on eBay, from sellers who found they were tempted during their travels. Most often, when we look back at such a wish list at a later date, we’ll find that we have lost interest anyway.

Criteria #9:  The availability of Internet/cellphone access with us at all times. This was a tough one. I’ve spent no less than an entire week researching various options. We now have discovered solutions (of course, subject to technology changes over the next several months). For Internet access, 24/7, in our rental, on the road, and part-time on cruises, we’ll use MiFi Rental with XCom Global. In a future post, I will write about the cost and how this works.  

As for cellphone service, we will be buying an Unlocked International cell phone into which we can purchase and install a local SIM card using the available local network (which is what most cell phone users in many countries use for service). SIM cards result in considerably lower rates, all without the use of a contract. Here again, I will write an entire post on this subject.

Criteria #10:  Cook and eat in! Due to health concerns we live a low carb, wheat-free, starch-free, grain-free, sugar-free, and gluten-free lifestyle. Occasionally Tom will indulge along the way! He won’t be able to resist pasta in Italy or a baguette in France. But, for me, my ongoing health from this way of eating it a huge motivator. Cooking and eating in the kitchen of our vacation rental will save us $1000’s along the way.  

We currently spend about $800 a month on food (all organic produce with grass-fed meat, free-range poultry, and eggs, organic dairy). This may sound like a huge sum for two people, but that totals only $26.67 a day. After considerable research, we feel confident that we’ll be able to maintain this budget and our food requirements. I currently pack 3 meals a day for Tom’s long 12 hour workdays.

We could never eat two to three meals a day in a restaurant in any of the countries we are visiting for a mere $26.67 for both of us! We have budgeted the cost of enjoying a dinner out in a nice restaurant, once or twice a week depending upon local prices.  

That one dinner a week may cost $25 in Belize including tax and tip, but could be $125 in Tuscany, resulting in an expenditure of $6500 a year, enough to pay for a vacation rental for 4.3 months or 8.6 months, if eating out twice a week. It’s a matter of trade-offs.  

I don’t think we’ll mind grilling a steak on the veranda in Majorca, Spain while overlooking the Mediterranean Sea.

In review, here is a complete list of all the criteria:

Criteria #1: Do not have a permanent home!
Criteria #2: Do not own cars!
Criteria #3: Do not stay in hotels unless absolutely necessary!
Criteria #4: Do not pay more than that which we were willing to pay for rent in our chosen retirement community!
Criteria #5: Use the cruise!
Criteria #6: Bag the excess baggage!
Criteria #7: Never stay in a vacation rental for less than one month!
Criteria #8: No trinkets!
Criteria #9: The availability of Internet/cellphone access with us, at all times!
Criteria#10: Cook and eat in!

Sure, all of the above is subject to change. We don’t know what we don’t know. It’s a work in progress. By the time we are ready to leave in seven months and ten days, we may laugh or even cringe at what we “thought” we knew and posted here, this early in the process. In any case, we learn as we go, on a perpetual mission of gaining knowledge, reducing fear, and ultimately, having the time of our lives.  

Continuation of the strict criteria…

Yesterday, I wrote about the first four criteria that we have discovered making long-term world travel affordable for us as a retired couple (Tom retires on Halloween), on a fixed monthly income. Let’s review those points before I continue with the others:

Criteria #1:   Do not have a permanent home! 
Criteria #2:   Do not own cars! 
Criteria #3:   Do not stay in hotels unless absolutely necessary!
Criteria #4:   Do not pay more than what we were willing to pay for rent in our chosen retirement community!

Criteria #5: Use the cruise!  As described earlier, we have booked five cruises so far with two more in the works.  Of the 571 days, we have booked thus far, beginning October 31, 2012, 71 days will be spent living aboard a cruise ship, rated a score of 4 or more (out of a possible 6).  

A vital factor in maintaining the integrity of our budgeting is that cruising results in a maximum average cost per day, not to exceed a combined $350 including fees, taxes, and tips. This amount far exceeds our average daily rental of $50. However, we are booking cruises to be a mode of transportation to and from countries where we’ll have booked a vacation rental. 

Cruising replaces the following usual travel expenses:
1.  Cost of Rental
2.  Three (or more, if preferred) meals per day
3.  Transportation to and from the rental location
4.  Taxis, car rental, trains, buses, and other local modes of transportation while getting around the area

Some cruise pricing includes tips, others do not. Keep in mind that tipping may be as much as $25 per day, per person. We have included them above in our daily total. Also, every cruise has an ongoing credit account for the charges, WiFi, non-included tips, drinks, meals in specialty restaurants, spa services, certain activities, and of course, the casino and shopping in the “tourist trap” shops.  

Internet access to your digital equipment is very expensive. Turning off data and roaming features will avoid the shock of one’s life when seeing the bill at for the onboard WiFi fees.

It’s imperative to check in advance with the cruise line as to WiFi policies and charges. Future posts will explain cell phone usage and Internet access while traveling abroad, a challenge for long term travelers like ourselves visiting 25 countries in less than 2 years (Yes, the itinerary will be posted soon)!

The cruise guy (and company we are using) Joaquin, at Vacations To Go has an appealing pre-booking incentive: book cruises in advance, and as prices drop, the customer receives the benefit of the reduced pricing, up to 90 days prior to the sailing date, being unaffected by potential price increases. 

Pre-booking secures a decent cabin that we choose at the time of booking by paying the deposit, usually around 25% of the cost of the cruise. We refuse to stay in an inside cabin many of which have little space, if any, to even walk around the bed. All of the cabins we are choosing are either a “Balcony” or “Mini-Suite.”  

In summary, cruising costs about $200 more per day than staying in a rental. Building a budget that allows for this expense, adds much to our enjoyment while freeing us on transportation costs, preparing meals, and handling baggage. The opportunity to see a little piece of many locations in a short time span is appealing.  Adding to the experience is choosing a cabin on the correct side of the ship, allowing the best viewing advantage of land throughout the cruise.

Most cruise fares include port charges but getting off the ship at various ports will undoubtedly result in often hundreds of dollars in additional charges for excursions, meals, shopping, and the usual hawkers selling their wares. We will stay on the ship as much as possible to avoid these tourist traps. 

Soon, Criteria #6 will be posted. Thanks for stopping by!

Our strict criteria…

At the end of my last entry, I promised to explain the strict criteria we have established to ensure the financial goal of our world travel: Our total travel expenses would not exceed the expenses we would have incurred to live in a $1500 a month condo in Arizona or any tax-free state such as Florida or Nevada.  Using an Excel spreadsheet we listed the normal expenses we would experience in our new retirement lifestyle, entitled “Basic Living Expenses”  

  1. Rent or mortgage payment: include association dues, if applicable
  2. Taxes: federal, state and property, if applicable
  3. Groceries: to include specialty items for our restrictive organic, gluten-free, low carbohydrate, sugar-free, wheat, and grain-free way of eating. All meals are homemade (no processed foods) utilizing grass-fed meat with organic produce, dairy, and eggs.
  4. Auto expenses: payment for a newer vehicle still under warranty, gas, maintenance, insurance
  5. Health: insurance premiums, co-pays, prescriptions, dental, vision, health club dues, alternative therapies, and supplements
  6. Other insurance
  7. Cable and Internet: including a few premium channels (we love Dexter, Homeland, Boardwalk Empire and Shameless)
  8. Cellphones: a smartphone with unlimited data
  9. Utilities: gas, electric, water, trash 
  10. Entertainment and dining out (carefully limited)
  11. Clothing, personal effects, toiletries, and grooming (all items discounted and purchased at the best possible price)
  12. Gifts: for family members/friends for birthdays/holidays, greeting cards, postage
  13. Publications: magazines, newspapers, online subscriptions
  14. Miscellaneous: occasional purchase or replacement of household goods, donations, cash for incidentals
  15. Pet care: food, treats, toys, groomer and vet (no pet now since we lost our WorldWideWillie last April) but we would have a new dog if we settled into a retirement lifestyle
  16. Banking fees; interest on credit cards, if applicable; 
  17. Savings
Upon keeping our costs as low as possible, in an effort to live a relatively conservative retirement lifestyle we had a total. Thus…

Criteria #1:  Do not have a permanent home!
With these numbers in mind, we created the next worksheet in our Excel workbook, entitled “Fixed Living Expenses” which were those we’d incur if we traveled but didn’t have a permanent home. Although we are not accountants nor possess a degree as such, we labeled the tabs that we felt best represented the analysis we chose to perform. These were expenses we’d have whether we were on a cruise, temporarily living in Spain, or on a safari in Africa that didn’t include travel expenses.
  1. Taxes: federal, state and property, if applicable
  2. Groceries: to include specialty items for our restrictive organic, gluten-free, low carbohydrate, sugar-free, wheat, and grain-free way of eating. All meals are homemade (no processed foods) utilizing grass-fed meat and poultry with organic produce, dairy, and eggs.
  3. Health: insurance premiums, co-pays, prescriptions, dental, vision, supplements 
  4. Other insurance 
  5. A cellphone (one between us):
  6. Clothing, personal effects, toiletries, and grooming (all items discounted and purchased at the best possible price)
  7. Gifts: for family members/friends for birthdays/holidays, postage
  8. Banking fees: interest on credit cards, if applicable
  9. Savings
Criteria #2:   Do not own cars!  (And resulting payments, depreciation, storage, insurance, gas and maintenance)

We will sell both of our cars before we step foot out of this country, instead of renting a car if necessary. While calculating our auto expense, considering the two payments, insurance, gas and maintenance, the total was $1523 per month, which more than covers all of our upcoming flights, trains, ferries, taxis and rental cars (three of our credit cards provide free rental car insurance when the card is used for the rental car charges)!
Then we took the “Fixed Living Expenses” and created an “Average Daily Expense” which, no matter our travel expenses or living arrangements, would always be relevant numbers in our financial planning.

Criteria #3:   Do not stay in hotels other than the short term! How is it possible to travel without staying in hotels? Sleep in a tent? Hardly! Rent an RV? Too expensive! Mooch off people you may know that live in exotic places? Never! Staying in a hotel requires the expense of meals in restaurants, tips, city, county, state and local taxes, outrageously priced cocktails and beverages, and of course, and the tempting “tourist trap” shops and services. 

Simple answer: Only stay in houses, condos, townhouses, villas, apartments, and other such property owned, but not currently occupied, by private parties. Property owners are often anxious to rent their own homes and rental properties at reasonable rates knowing full well that the distraught economy and worldwide strife has tempered world travel. We have found that we prefer to rent houses and villas as opposed to apartments, which are often noisy and offer fewer amenities.
Criteria #4:  Do not pay more than what we were willing to pay for rent in our chosen retirement community!   The above described $1500 month was the magic number that fit into our predetermined budget. How is this possible? Only $1500 a month for a house? Yes, the gorgeous 17th century, totally renovated villa in Tuscany, Italy is $1400 month! Yes, the amazing little beach house in Placencia, Belize is $1250 a month! Yes, the charming house in the Kruger National Park in South Africa, surrounded by the free-roaming wildlife is $1387 a month! We will share more about these astounding rentals as we continue here.
There is so much more to share, including the remaining Criteria, how to calculate total expenses, why we have booked five cruises thus far with two more waiting to be posted. How and why we have booked ahead 571 days from this coming Halloween, Tom’s retirement date. How we will experience the first 10 months of our adventure without ever stepping foot onto an airplane? 

Certainly, we have a “to-do” list that is daunting. Certainly, there is a degree of risk. Certainly, there is some blind faith that we are going to enjoy our new lives, free from all the familiar comforts that we have reveled in all these years. And most certainly, our love and devotion to one another will see us through all the challenges we encounter along the way.  

We have mutually agreed that if at any time, one of us is tired, bored, or tired of being on the move, we will stop and find “home’ wherever that we may be.

A dream is born!… Is it affordable?…Are we crazy?

We are everyday people. We aren’t wealthy. Tom worked hard for 42 years on the railroad. My career mostly consisted of owning a small real estate company experiencing varying degrees of success and failure, always subject to the turns of the market and my own life experiences, ups and downs.  

We’ve lived in a fabulous lake house with the upkeep that sucked up most of our income but rationalized it that the joy of living here together was worth the expense and sacrifice. Our retirement income was growing due to Tom’s contributions and we didn’t really worry much about the future.
Then the economy burst and we, like so many others, lost a chunk of security while at the same time my desire to battle the failing real estate market waned day by day. I threw in the towel and retired eighteen months ago. Good grief, I applied for Social Security, after paying in for 45 years. It was hard to believe that time flew by so quickly. It was only yesterday we were chugging Vodka Gimlets and dancing at the disco.

I had often said that I’d never retire having loved the clients, the excitement, and the gratification of helping people make the biggest financial decision of their lives. It was now over. I felt sad. What would I do but wrap myself up in the eventuality of Tom’s retirement?

My goal was to come up with some ideas to present to my exhausted husband on the weekends who still working twelve-hour days this late in his career, along with the two hours of driving time. I had felt a little guilty being home, not contributing more than packing his three-meal-lunch each day and the basic, relatively easy everyday running of our two-person household.

The days until Tom’s upcoming retirement had been a daily reminder in an app I had installed on my DroidX phone, Retirement Countdown Free that today says: 7 months, 16 days. I look at it every day. It doesn’t seem to move. But it does. It’s Halloween. I keep counting on my fingers to ensure it is accurate. It is.

Strangely, during this time, we negotiated a deal, albeit at a loss, to be rid of our house to free us to move on. Not what we had wished. We knew that living on a retirement pension the upkeep would be prohibitive forcing us to live the last third of our lives in a perpetual state of stress, leaving no room to travel. We hadn’t been on a real vacation together in over fifteen years never wanting to spend the money or to leave, or a beautiful home.
Invariable, Tom and I spent the bulk of our vacation time working on projects around the house, him oblivious to his skills as a hard-working handyman. He can fix just about anything. I have been “the helper” washing the insides of the windows, cleaning, doing laundry, and happily cooking our favorite meals and desserts (more fun when we weren’t low carb, gluten-free).  

Neither of us ever minded the definition of the stereotypical male/female roles. We grew up in an era when gender roles were more defined than today. We never fought it. We never fought with one another over it. We relished in giving each other the very best we had to offer, without complaint, without judgment, without “snipping” (in itself, the secret to our marital success).

So, as we counted down the days, each weekend we began talking about that which most Minnesota “Snow Birds” do; move to a warm climate in an income tax-free state, downsize our “stuff,” sadly say goodbye to our family and friends, sell one of the two cars, and occasionally go on a Viking River Cruise with other “old timers” like ourselves.  

We finally relented buying the proverbial AARP card, good for a full five years. Wow, we can get a discount at Denny’s in Las Vegas, Perkins in Rapid City, or Old Country Buffet in Miami! Here come the Golden Years! Ouch, more than those crunchy joints are hurting!

In our typical fashion of online researching of literally every thought, our brains regurgitate, we investigated best places to retire in the US,  buying an RV, moving to a retirement community, or simply renting a condo in Scottsdale, Arizona while we think it over. Although not an income tax-free state, the climate is good in the winter, the desert appealing for its mysterious beauty and the population not unlike ourselves. A good temporary solution.
On my laptop, an Excel spreadsheet in front of me, I plugged in formulas and numbers to create a “feasibility study” to determine our future financial life considering the average rental cost of a typical condo, utilities, groceries, health insurance, medical including prescriptions and co-pays, cell phones and Internet, food and entertainment, etc. We could survive, we determined.  
It was Saturday afternoon, January 7, 2012. We had just reviewed the numbers in the spreadsheet while sitting in our usual comfy chairs in the family room, the TV on quietly in the background, freshly poured frosty glasses of iced tea on the side table, the smell of pot roast in the oven wafting through the air (love that word!) and we looked at one another, our eyes locked in a gaze as powerful as an embrace.  Tom took a deep breath and quickly blurted out, his words running together awaiting my reaction and said, “Let’s not have a home and travel the world instead.”  
I gasped. I paused. I said, “Wait, give me a minute.” I looked at the spreadsheet. I removed the rent, the utilities, the car and its insurance, the annual vacation, and all the expenses that would go away if one didn’t have a home.  

I added back the following onto the new worksheet: visas, taxes and tips, airfare, ferries, taxis, auto rentals, cruises, food (eating in 6 days a week, eating out once), a monthly (or longer) vacation rental home fully equipped with kitchen and all household goods, entertainment, unexpected expenses and on and on. We talked. We giggled. We dreamed aloud. We accepted that our preliminary numbers were subject to change as we completed more research.

The pot roast was done. The time had flown. We inhaled our dinner anxious to swallow the next bite in order to say something more, interrupting each other, as we often do. We couldn’t watch the favorite shows we had taped during the week. We talked all night long. The remainder of the weekend was a blur, fingers flying across the keys in our relentless pursuit of more and more information. 

Tentatively, tempering our enthusiasm, over the next several weeks, we came to this startling realization: If we didn’t have a home, with its fixed monthly expenses, we could travel the world as long as we wanted to, living off of our monthly income alone, as long as it met strict criteria.

Now, two and a half months later, after hundreds of hours of research, we have booked and paid deposits for 492 days beginning October 31, 2012, with more plans brewing imminently. Planning is a full-time job in itself.  

The next post will include: the strict criteria to make this possible. And soon, the set itinerary thus far, the resources we have used to make this possible, the endless list of “to do’s,” the amazing people we have encountered all over the world, and most of all the preparation we are making for all the “what if’s” that we will surely encounter along the way. Then, of course, there are the “unknowns” that we choose to acknowledge exist and pray that our good sense and resources will guide us along the way.

Fearful? A little. Joyful? A lot.

Sounds glamorous but quite worrisome…

When we decided to travel the world beginning this upcoming Halloween, Tom’s retirement date, we knew the tasks associated with changing our lives to this degree would be daunting. We have made a purposeful point of not getting caught up in the excitement by staying task-oriented and preparing for endless “what ifs” by playing our own devil’s advocate.  

Doing so has resulted in some sleep-stealing worrying one does at 3:00 am. We are not strangers to this particular effect of worrying. Last night we both lay awake between 2:00 am and 4:00 am, tossing and turning, aware of each other’s state, trying not to talk to further our alertness. Finally, we drifted off only to have Tom’s alarm clock startle us both at 6:50. We got some good worrying in!

We ask ourselves so many questions, not so much to put a damper on our adventure, but to maintain a sense of the reality of what is yet to come. “They say” that worry is a useless emotion. If worrying prompts or motivates one to take self-preserving measures, then worry has some unmitigated value.  

Fear in itself is a powerful motivator. Overcoming fear is next in line. The healthy self-love and appreciation we experience after overcoming fear are the greatest rewards life has to offer us in our continuing search for personal growth and self-discovery.  

Oh, good grief, does this mean we will zip line or bungee jump when we spend three months in Belize, beginning in February 2013? Or, will we ride an inner tube through the water caves in the rain forest, the roofs covered with guano (gee, I always wanted to find a use for that word, meaning “bat poop”, if you didn’t already know) while I am terrified of bats? Or, will we ride a hot air balloon in Kenya (during our three-month stay) over the Great Migration in the Serengeti National Park? Or, will we welcome a 275-pound warthog into the kitchen where we will live for three months beginning December 2013 in the Kruger National Park in South Africa, living among the wildlife with no barriers?

Warthog in the kitchen doing “crumb patrol.”
We won’t have to do any of these, but most likely we will do some of these, finding ourselves exhilarated by the life-changing experiences, to finally be “stepping outside the box,” taking the risks and reveling in the process together.

What if we show up at one of our many prepaid vacation homes throughout the world to find out that we were scammed, with all of our due diligence when no such owner or house exists? We’ll take a deep breath, get online as fast as possible, and find a place to stay for a few days while we figure it out. We’ll have lost up to three months’ rent, the maximum time we will stay in any vacation home. But, we’ll continue on, knowing full well that we chose this risk as part of the adventure.

What if one of the five cruises we have booked thus far encounters a storm and is unable to “drop us off” to our desired location a day or two prior to the end of the cruise and instead goes to a different port some 500 miles away? We will go to the next port, get off, and find a flight, a train, a ferry to our planned location.

What if one of us has a gallbladder attack requiring surgery while we are in a remote location? We are purchasing emergency evacuation insurance that will take us back to the states to our desired location or at least to the nearest big city hospital.  

What if our passports or wallets are stolen? We are getting second passports to be kept separately from my purse and Tom’s wallet. We have scanned all of our credit cards with contact information, driver’s licenses debit cards, and banking information to a secure cloud. All we’ll ever need is a WiFi location to immediately contact the necessary parties.

How will we, both gluten-free, not eat the homemade pasta, bread and pastries while spending almost three months in a 17th century stone farmhouse in Tuscany, beginning June 15, 2013? We will either try it and pay the price or, we will choose not to try it and instead enjoy the local produce and meats.


So, worrying we will do! And, surely along the way, we’ll be surprised, disappointed, scared, and “ripped off” asking ourselves how we let this happen, how we made this mistake, why we left our family and friends behind to seek out adventure.  

Then again, we’ll be amazed, enthralled, enriched, and enlightened and most of all, grateful, to be sharing this experience together for as long as we choose, and for as long as we can. So we’ll miss the ferry, the flight gets canceled, the mosquitoes are biting, the heat is overwhelming, we can’t get online, and then, the giraffes are hogging the road when we are trying to get to the grocery store!

A herd of Giraffe hogging the road in Marloth Park, South Africa (not our photo).