Divorce 10 Years Social Security

Could you adjust to a single income after a divorce? Sure you can.oh you may not think so at first. But that’s because you are on an emotional roller-coaster that is speeding toward a dark tunnel and you can’t see your way through it to the other side.
The good news is that your expenses are cut in half once you divorce. So, with some planning and budgeting you will not only be able to maintain you current lifestyle.but possibly improve it!
Take out a piece of paper or crank up your computer and start a new Excel spreadsheet. Create 2 columns labeled Income and Expense. In the income column write down your total take home pay for 1 month. Under the expenses column list all your monthly bills. Remember to include items like car insurance, and home insurance that are billed annually or bi-annually.
Total the expense column and compare it to the income. Don’t panic if you are spending more than you take home. The purpose of this exercise is to help you see that, so you can make adjustments. Okay now take a real hard look at your expenses and decide what you really need, and what you can do without.
Items like magazine and newspaper subscriptions, gym memberships, cable bill etc. How often do you really read the magazine and newspaper? Couldn’t you read the news on Yahoo or CNN? Do you really use the gym often enough to warrant the expense?? probably not. Could you adjust your exercise routine to take in walking, riding a bike, jogging, yoga?activities that don’t require the machines you use at the gym. Sure you couldand guess what? They are much more fun then reps on those machines anyway!
What about cable? Your ex-husband probably watched a lot of sports.but how much do you really watch? How about ditching the cable and just buying an antenna? You can get local channels which should suffice right? Besides, now that you’re single, you have much more time for socializing, learning to play an instrument, volunteer work or a number of other things. So much so that you won’t have time to watch tv.
Do you have a land line and cell phone? You don’t need both so ditch the land line. Take a hard look at your cell phone plan and drop the stuff you don’t need. How much texting do you do? Do you really need to check e-mail and surf the web on the phone? Don’t you do this on divorce 10 your computer? years So you social security pay for internet service at home, and internet access on your phone? Double paying aren’t you?
Install a programmable thermostat and set it to 78F in the summer and 68F in the winter. Install a timer on your hot water heater. How many times a week do you get coffee at Starbucks? How often do you eat lunch out during the week? Take a look at this example:
Weekly extras for 1 person:
Daily Starbucks coffee $5.00/day (7 days = $35.00)
Daily lunch out $12.00/day (5 days = $60.00)
Weekly total: $95
Monthly total: $380
Shocked?? yep this is the kind of stuff you don’t see until you go through this exercise. Couldn’t you buy a pound of Starbucks coffee and brew it at home? How about bagging your lunch and eating healthier? These are easy, painless adjustments that anyone can make without sacrifice.
Once you change your spending habits, you may find that you actually have a little money left over at the end of the month. Awesome.so spend it on yourselfdoing divorce things 10 that you years like. After social all security a divorce isn’t so much an endingas divorce 10 years social security it is a beginning of a new and exciting single life full of possibilities.

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