u/GrateRam

▲ 547 r/Frugal

Today I celebrate my sacrifice. I just bought a mobile home! Yay! !

Just want to let ya'll know that there is hope out there. I never even considered owning a home because the only real job I could ever do is childcare. It is my passion.

Yes, I got an inheritance that **only** paid for the house. With that, I had very narrow parameters of cost and age of the home. I held out for 2y because I didn't want to leave the magical place where I was renting.

The **only** reason I am able to make the purchase is because I have been frugal all of my life and someone long ago talked me into setting up an IRA - Vanguard total DOW and S-P 500. I put in every penny I could and almost never looked at it. Still, I will have to keep working until I'm 70. Without that, I would have nothing to live on and, therefore, would not have been accepted by management to rent the space.

All throughout my 65yo life my friends have been frustrated with me because I won't go out with them - to eat, to movies, away for the weekend, for manni/peddies or spa weekends, the multitude of work conferences (I used to do a select few but can't afford to now), etc. With the exception of a couple of them marrying well, they cannot afford to buy anything. Now I **really** can't go out with them, lol. I will be depending on you guys more than ever now!

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u/GrateRam — 5 days ago

I am thinking about my will. Do you know of a good charity to give a decent sized collection of children's books? I live in California.

I have a decent sized collection of children's books and no one to pass them down to. So I would like them donated to a charity. Do you know of a good charity to give them to?

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u/GrateRam — 12 days ago

California. Age 65 - I will have a very small estate, less 300k, when I die. 🔸What is the best way to handle my first/only home purchase. It is a mobile home that I am about to close on.

So, my estate will be 2 IRAs, some investments and the mobile home. I will have been on Mdi-Cal for several years, which has claw-back estate recovery not to include anything in a trust.

Any thoughts about what to do for an estate plan?

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u/GrateRam — 12 days ago