Originally Posted by Tom Bombadil

I have found that anytime one has extra money, expenses will pop up to relieve you of it. It doesn't matter if it is $200, $500, $1000, or $3000.

This fall is the first time in 10 years that I have no children in college, having up to 3 in at times. But do I have an extra $10,000 or $15,000 to spend? Of course not. I have a $4,000 estimate on a new floor in our kitchen and dinette, a $1000-$1200 car repair waiting for attention, my daughter #4 is planning a wedding for next Spring, my garage door is starting to fall off, etc.

At times it can be frustrating, but I try to keep the mindset that at least I'm able to pay all of these bills.

Sure wouldn't mind getting a bit further ahead of the game.