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Why doesn't that maid ever show up?

December 27th, 2015 at 02:14 pm

Another weekend and another time the maid didn't show up! Of course she didn't...we don't have a maid. But a gal can dream, right?

We took down our Christmas decorations and put things away yesterday. After church and brunch today, we went to work of cleaning house. I think the house looks bigger after we put away our decorations. I usually put some things away when I set Christmas stuff out. Then when we put away the Christmas decorations, I pull out some of the stuff and it is like having something new. I know, I'm weird.

We had a small ham for Christmas dinner and supper. Today it made an appearance chopped up in scrambled eggs for brunch and tonight, hopefully it will have its final and encore performance in sandwiches. I'm not a huge ham lover -- I can eat it and enjoy it the first time or two. But, I tire of it easily, yet I am too frugal to throw it away. I've tried freezing it before and it was OK in ham and beans, but nothing to write home about.

We had a delightful Christmas and like so many of you, everything was paid for in cash. Well, sort of. I did put some things on my Discover card to get the extra cash back, but paid it off when the bill came.

Yesterday supposedly was to be a big shopping day. We didn't participate and help the economy. There really isn't anything we needed. DH picked out what he wanted for Christmas and I picked out some of what I wanted and he chose well for the rest. I'm indeed blessed.

The countdown continues for retirement. I have 95 school days left barring any snow days. Part of me is very excited and part of me is scared. My pension will be smaller than my current salary. I am not eligible for Social Security since I am a teacher in Illinois. I keep telling myself that with no outstanding debt and the fact we are careful with our money, there shouldn't be any problems.

I do have a question though. I plan to retire in May. Do I have to fully fund my Roth IRA before I retire, or do I have the rest of the year to fund it?

Hope you all have a wonderful prosperous new year!

10 Responses to “Why doesn't that maid ever show up?”

  1. FrugalTexan75 Says:

    I've been procrastinating all day on being the maid here ... Smile

    I'm no tax expert, but I would think that as long as you have more earned income in tax year 2016 than what you put in the ROTH, you can take as long as you need to to fund it. (at least til April 2017)

  2. snafu Says:

    I too have days I wish I could call on housekeeper help. As a retiree are their any extra benefits payable like accrued sick days, holiday pay or? What deductions are withheld from pay that are not applicable to retirement/pension benefits that might balance the lowered sum? What reduction in income tax with lowered income? I don't know how you track various spend categories but you might note work related costs like transportation, car insurance premium, wardrobe care, grooming costs, contributions to events etc that will melt away unnoticed.

    While not officially 'retired' I've worked only a few hours in 2015 and seem to have unintentionally reduced spending witd I have had major hout changing lifestyle. I'm surprised since utilities and some food prices have had significant increases. I hope you'll set aside concerns and enjoy making plans for summer as a retiree and new direction.

  3. Carol Says:

    With luck, the fact that you have no paycheck, will reduce your taxes enough that the retirement pension will work out just fine money wise.

  4. Livingalmostlarge Says:

    Good luck retiring! Congratulations.

  5. creditcardfree Says:

    No you do not need to fund it all before you retire. Just like every year you have until April 15 2017 to fund for 2016. You just have to make sure you don't invest more than you earned in income for the tax year. Smile

    I think your husband is retired. But a spouse can also invest in a Roth or IRA as long as the working spouse has enough income to equal the total contributions for the couple. For example I don't have earned income, but my husband makes enough in income so I can max my Roth IRA.

    My maid didn't come either! But I did get clean sheets on my daughter's beds. The rest will get done eventually. We will keep our trees up a bit longer.

  6. Joan.of.the.Arch Says:

    Not only did my maid not show up, but the cook told me, "Pumpkin pie is a vegetable, so eat your vegetables."

  7. VS_ozgirl Says:

    Good luck with retirement! I'm sure that with your conservative financial nature you should adjust easily.

  8. CB in the City Says:

    I finally used up the last bit of ham in the corn chowder I made yesterday. I get tired of ham, too. I've still got lots of turkey in the freezer, but turkey is more adaptable.

    I can't answer your Roth IRA question, but having retired last year, I would advise that you try to get everything done before your last day, just in case. Sounds like CCF knows a little more than me, however!

    When you find that maid, please send her over here. She's really been irresponsible lately!

  9. pjmama Says:

    We're the same with ham - one of my favorite ways to use up leftovers is to dice it and put it in home made fried rice Smile

    Congrats on retirement!

  10. rob62521 Says:

    You are all in the same boat about the maid, I see. Guess we need to say rather snottily that "Good help is so hard to find." LOL

    Credit card free: I didn't know that about my husband being retired and a Roth. Good to know.

    I called my financial advisor today and he said I have all year to fund it, so you all were spot on! Thanks!

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