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Author: budgethomepage

March 12, 2023 Investing for Retirement

More Banks Will Fail

The latest news about FDIC takeover of Silicon Valley Bank is only going to get worse. It occurred to me a few months ago, as I was transferring money out of my local bank checking account and into a treasury fund, that if enough people started doing this, banks would

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March 6, 2023 Investing for Retirement

My Retirement Withdrawal Strategy

When I turned 59-1/2 one year ago, I started taking small distributions from my IRA. Once you hit that age, you don’t have to worry about the 10% early distribution penalty. The investment firm that holds the account must have noticed because they have been asking me to contact them

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March 2, 2023 Investing for Retirement

February 2023 Investing Update

For the month of February, the DOW lost 1430 points. That erases all gains from the previous month. Interest and dividend income was $1,603 for the month. Withdrawals for living expenses came to $1,014 for February. YTD my retirement account is up by +2.21%. The 4.2% return on treasury funds

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February 16, 2023 Money Saving Tips

The Buy 5 Save $5 Promo

Whoever came up with the “Buy 5 save $5” grocery promo is a genius. In this promo you buy 5 items from a list of hundreds of items and save $5 off those items. The items you can select usually range in price from $3 to $10. Trying to choose

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February 2, 2023 Investing for Retirement

January 2023 Investing Update

For the month of January, the DOW gained 939 points. That is a 2.75% gain for the year. Interest and dividend income was $1,635 for the month. Withdrawals for living expenses came to $1,014 for January. In the past 12 months my retirement account is down by 4.48%. That is

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January 23, 2023 Money Saving Tips

Winter is Like a Survival Show

It’s the middle of winter in central Minnesota and we have about 3 feet of snow on the ground. The temperature has been below freezing most days since early December this year. In past years, when I was working, we would go shopping or to the casino to get some

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