Giving up habits..Wean me slowly!…

Bye, bye tea!

“They,” say it takes three weeks to break a habit. Yes, we still have six months and fourteen days until we leave for our adventure, but I feel compelled to start weaning myself off of some of my habits and routines. Most likely, Tom will bring his habits with us! 

We often chuckle over our routines and habits, as written in the first entry in this blog on March 14, 2012, describing in painstaking detail how we jointly manage to change clocks twice a year for daylight savings. That bi-annual event is but the tip of the iceberg!

Creatures of habit, we are! As we anticipate the homes we will occupy in the countries we will visit, many of our familiar and comforting routines will be tossed aside. Never staying long enough in any location to firmly establish new routines, we will strive to find ways to feel at ease and comfortable in someone else’s space.

The master bath in our home has a sink with brass fixtures, a bit outdated, but still attractive and befitting our lodge-like home on a lake here in Minnesota. The faucet in the pedestal sink drips. Over the years we’ve had several plumbers looking at it, telling us that the faucet cannot be repaired and must be replaced with a more current design. It still looks quite nice.

The faucet leaks when not shut off tightly (mostly by me). It drips onto the brass ring and stopper at the drain. This annoys me. Two to three times a day, I get out the Barkeeper’s Friend with a little sponge kept at the bottom of the closet (have to bend over each time), wet the sponge, sprinkle the Barkeepers, and scrub the drain until it sparkles, drying off every last drop of water with a piece of toilet paper. 

Good riddance!

Throwing the t.p. in the toilet, I consider flushing it but don’t. Why waste water?  Why don’t I throw it in the little plastic bag inside the little decorative brash trimmed, off-white porcelain trash can? Simple, I don’t want to have to feel compelled to empty the trash! (Now you can see why the details of planning this extended many years life of world travel, make me feel right at home as if you didn’t already know)! Two or three times a day, I do this! Twenty-six years!!!

Will I immediately go to a grocery store upon arriving in Belize, buy a Barkeeper’s Friend equivalent, and a small scrubby sponge to run back to our little ocean side house and start scrubbing the sparkly stainless steel drain two to three times a day? I don’t think so. Some habits will die on their own. Good riddance!  

However, other habits will be harder to break. This morning, as usual (another habit) I awaken at 5:30 am. I get up, hit the loo (Ha! Look, I am already getting more familiar with foreign expressions!), brush my teeth, wash my face and put in my contacts in order to see and go back to bed to look at my phone, an AndroidX loaded with 100’s of apps, but only a few I habitually use: Gmail, Facebook, Pulse, and Amazon Kindle Free App (containing my latest reading obsession).  

This morning I realized that this may not be possible once we are no longer on US soil. Yes, we will have access to the Internet on our laptops, many times provided as wireless broadband by the property owners. During these periods, we will be unable to use the Internet on our phones unless we are willing to pay outrageous fees. 

When I calculated the possible fees, it would be about $5000 a month for playing with our phones, considering our current megabyte usage, utilizing our current service provider! No thank you! (We will get into this in more depth on this topic as we move along here and discuss XCOMGLOBAL and SIM card options). Thus, another habit to break! Playing with our phones! Yikes!

We have three flat-screen TV’s as do many Americans, one in the living room, one in the bedroom, and one in the kitchen. From the moment we are up and about, until going to bed, the TV is on in the background, quietly or off when talking or loudly when watching due to Tom’s hearing loss (42 years on the railroad).  

Although recently distracted with our laptops; Tom with ancestry, me with travel stuff, we usually spend most evenings together watching shows we programmed during the week. This “getting outside your head” form of entertainment is a delightful respite from the stresses of everyday life.   

Most of the vacation rentals will have tiny hard to watch old TVs with shows in foreign languages. No more piling up our plates with tasty homemade dinners to sit and watch yet another episode of “Downton Abbey”, “Dexter” or one of our favorite mindless, sinfully deliciously reality shows.  

Guess we’ll watch TV on our computers when we have Internet access or watch the many movies we plan to download to a yet-to-be-purchased portable four terabyte external hard drive.  

Here’s another habit, hard to break. Every afternoon at 4:00 PM, I brew tea, one cup at a time, at exactly the correct temperature, with precisely the same pot, for exactly three minutes, with a certain strainer, a special timer, a sterling silver spoon, in a pale green cup, with 3 drops of liquid Stevia, my own version of Happy Hour.  
I only like one type of tea, Pouchong, a hard to find, buy-online-only tea grown in the spring in Taiwan. I have tried numerous other teas to no avail. Oh, no! The bag of tea, the strainer, the cup, the timer, the Splenda, the pot, the spoon all weigh 2.7 pounds which equals 3.85% of our allowable luggage when we fly. Bye, bye tea!

Who are we kidding?… We’re not unique!…

Had it not been for my dear husband Tom’s 42 years of hard work, this dream would have been but a dream, along with all the “would have,” “could have,” and “should have” that we all carry in the emotional baggage we haul around throughout our lives. We think we are unique, but we’re not.

In my 40’s, I gave up the dream that I’d ever find the perfect mate after two failed marriages, and then Tom miraculously appeared. At 50, I let go of the dream of a hugely successful business that would provide a lifetime of financial security, a fancy lifestyle and accepted the reality of being middle class.    

At 62, I threw in the towel and retired, after 45 years of hard work, grateful for the experiences, grateful for a fabulous marriage, grateful for family and friends, and grateful for endless stories we will tell our grandchildren of the lessons we’ve learned along the way. That’s quite typical!

We were anticipating the “usual” retirement; living in a condo in a warm climate, visiting family for holidays, summers, and special occasions, playing bridge with new friends, preparing for a neighborhood dinner party, and acquiring a newly found affinity for “The Price is Right.” This works for most retirees. This would have worked for us. Hardly unusual!

We are a cheerful, animated, and upbeat couple that over these past 21 years together have managed life’s challenges, myriad health issues, and the loss of loved ones, unfailingly supporting one another with love, compassion, dignity, and grace. This is what most people do. Nothing special here!

We have accepted the physical changes most of us experience as we age; sagging skin, hairy ears (Tom, not me), bushy brows (Tom, not me!) wrinkles, creaking joints, aching backs (mostly me), and middle of the night potty breaks (me, not Tom) resulting in poor sleep. That happens to many of us!

Over the years we’ve adopted a healthy lifestyle, enjoying homemade, organic low carb meals, grass-fed meats, fistfuls of supplements, exercising (mostly me), low alcohol consumption, and Tom’s continuing effort to quit smoking.  

But old age keeps coming’ at us no matter how hard we try to avoid it. We aren’t exempt. We each have our few prescriptions that once a month I put into our own little pill cases, another sign of advancing age.

Last night, as we sat in our respective comfy fat-stuffed chairs, computers on our laps; Tom, working on his ancestry stuff, me, working on travel information, I looked at him and smiled, thinking, “I can’t believe he’s willing to do this.” He turned his head toward me asking, “What are you looking at?” his voice, playful and obviously fishing for a compliment. That’s to be expected!

“Oh, I’m just thinking about how much I love you and that we have so much to look forward to,” I said, as a warm wave rolled over me. 

“Same here, Sweetie and yes, we do,” he said while his bright blue eyes wandered back to his laptop. In seconds, he was entrenched in the census’s recently posted on ancestry.com totally tuning me out. I smiled to myself and turned back to my laptop. How typical is that?

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

Finally, the itinerary…

Admittedly, I have procrastinated about posting the itinerary. Procrastination is not my style. I am a “get-it-done” kind of person who contemplates a task in advance, sorts out the details, and then fires away. Why, the procrastination?

There are a few reasons. One, as indicated in today’s earlier post, I was definitely preoccupied with the pending immunization appointment, and two, I’ve been wrapped in the details of the rental house in France, which is now complete.  

We have yet to book a portion of the time in Europe and in Hawaii (primarily due to the hesitancy of property owners committing so far out). In addition, the last three cruises, although upcoming and available, have not yet posted for bookings.

Will we continue traveling after experiencing this itinerary?  

Yes, we will if the following prevail as planned: Are we healthy? Did we follow the budget? And of course, do we want to?

Location Days  
11/2/2012-11/4/2014
Minnesota drive to Scottsdale AZ
3
11/4/2012-1/2/2013
Scottsdale Condo Rental 
61  
(included in the above)
Scottsdale to Las Vegas-hotel
5  
12/30/2012-1/3/2013
Scottsdale to San Diego – stay with family

4
 
1/3/2013-1/18/2013
San Diego to Fort Lauderdale – Panama Canal Cruise
15  
1/18/2013-1/20/2013
Fort
Lauderdale to Boca Raton- stay with a friend
2  
1/21/2013-1/29/2013
Fort Lauderdale to Belize – Cruise
8  
1/29/2013-4/8/2013
Belize Rental-House on beach
70  
4/9/2013-4/13/2013
Belize to Miami Cruise
3  
4/13/2013-4/20/2013Miami
Visit friends in Boca, Bonita Springs
7  
4/20/2013-5/1/2013
Miami to Barcelona – Cruise
11  
5/1/2013
Barcelona to Majorca (RT) – ferry
0  
5/1/2013-6/3/2013
Majorca Oceanview
Condo Rental 
33  
6/3/2013
Majorca to Barcelona-Ferry 
0  
6/4/2013-6/16/2013
Barcelona to Venice- Mediterranean Cruise
12  
6/16/2013
Venice to Tuscany-Train
0  
6/16/2013-8/31/2013
Tuscany Rental-17th century villa
76  
8/31/2013
Tuscany to Rome-Train
0  
9/1/2013
Rome to Kenya-Flight
2  
9/1/2013-11/30/2013
Kenya Rental- Diani Beach house
90  
11/30/2013
Kenya to South Africa-Flight
1  
12/1/2013-3/26/2014
South Africa Rental-Kruger National Park – House
115  
3/26/2014
Kruger National Park to Durban, South Africa-driver
0  
3/26/2014-3/30/2014
Durban to Cape Town-Cruise
4  
3/30/2014-4/17/2014
Cape Town to Genoa- Cruise                             
18  
4/17/2014-4/18/2014
Drive to Genoa, Italy along
French Riveria, to Hotel in Cannes
1  
4/18/2014-5/17/2014
Cannes to 16th Century
Stone House, Cajarc, France
30  
5/17/2014-9/17/2014
Spain, Portugal, London (take the Chunnel under the ocean) rentals
123  
9/17/2014-10/1/2014
London to Fort Lauderdale-Cruise
14  
10/1/2014-10/5/2014
Fort Lauderdale to Boca-stay with friend
5  
10/5/2014-10/19/2014
Fort
Lauderdale to
San Diego Cruise
14  
10/19/2014-10/22/2014
San Diego to Baja CA
-Hotel
3  
10/22/2014
Baja CA
to Ensenada,
Mexico
0  
10/22/2014-11/2/2014
Ensenada Mexico to
Honolulu Cruise
11  
11/2/2014-3/31/2015
Hawaii – Home Rentals-Island Hopping (Christmas booked with family on Big Island during this period)
150  
Total
Days Booked to Date (more will follow)
880

Photos of rental properties will be coming soon. Thanks for stopping by!

Ouch!…Plunge, twist and release…

After two hours of being terrified at the prospect of contracting one of many horrifying diseases throughout the world, I left the Park Nicollet Travel Immunization Clinic with my head swimming. WHAT ARE WE DOING????

If we don’t die from the side effects of the Yellow Fever or Typhoid shots, we might die from one of the many diseases for which there is no immunization or treatment! Why tell me, overly efficient, profoundly knowledgeable, delightfully warm Travel Nurse Marcia, who hugged me when I left, that we could die?  

On information overload and losing my competency to make reasonable decisions, I agreed to our taking $10 a day malaria pills (fewer side effects) that we’ll need to take for eight-plus months, $700 rabies shots, $80 for tuberculosis tests, and also, an array of 10 or more other vaccines that will total in the $1000’s. We sure hope the insurance company will pay for these. I hadn’t budgeted $300 a month for malaria pills!

I felt as if I were buying a car from a persuasive, albeit highly competent “salesperson” who was trying to sell me safety features that invoked so much guilt that I couldn’t resist buying. I signed up for everything. Oh, I did hesitate on one thing, flu shots. Why would we need flu shots that are derived from viruses only prevalent in the US? Go figure! What if we went out to dinner with an American couple we meet on a cruise ship who currently has the flu? We signed up for that too!  

The dreaded Yellow Fever shot will be on May 1. I am terrified. Four people died from the vaccine alone (OK, four deaths of out one million, not quite a high risk). I said to Travel Nurse Marcia, trying to reassure myself, “Those four people could have died that day anyway, right?” She reassuringly nodded her head. On May 1, please pray for me. Later, for Tom.

Tom has yet to go to his two-hour appointment. I suggested that Travel Nurse Marcia not tell Tom everything she told me for three reasons: 1. He gets bored listening to medical stuff. 2. He’ll pretend to be listening when he isn’t. 3. He’ll refuse the shots and tell her to take a hike.   

Oh good grief, I can picture my dear husband, sick with some dreadful disease, ensconced inside a mosquito net, with me at his side, frantically trying to nurse him back to health. Sounds like a scene in a movie! No, thank you. PLEASE my dear handsome, charming, funny, adorable, “best husband in-the-world,” agree to get your shots, take your $5 pills with food and SHUT UP about it!

So, lovely Travel Nurse Marcia left the room after handing me my stack of 100 CDC documents to read, moments later returning with a tray loaded up with four, that’s right four, giant syringes on a sterilized stainless steel tray. She gently set the tray down on the counter, leaving the room again. I stared at the tray, my heart pounding so hard, I could hear it in my head. Minutes later, she returned instructing me to get up on the exam table.  

The rest is a blur, rolling up my sleeves, taking a deep breath, feeling the brutal violation of my pale winter skin while each of four syringes plunges deep into the tender flesh of my upper arms. OUCH!!! It felt as if she “plunged, twisted, and released” those horse-sized syringes. Then,  it was over, for now at least. I waited for something to happen. Nothing happened.

After sleeping fitfully all night, unable to lay on either side. My arms hurt as anticipated from the warning by Travel Nurse Marcia. After two huge cups of coffee this morning I’m back to my “old” self, dressed in workout clothes, off to the gym and then to the bank to transfer the 25% deposit in 1481 francs (today’s going rate, which is about $300 US dollars) to the owner of the charming “Stone House” in Cajarc, France for one month beginning April 18, 2014 (yes, 2 years from now). Nothing like planning ahead!

BTW, the itinerary will follow later today. 

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!

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).