Tips to create a luxury lifestyle for less. How to manage when you have champagne tastes but a beer budget. The post How to Live with Champagne Tastes on a Beer Budget appeared first on The Thrifty Issue.

Merry Christmas, Happy Hanukkah, Joyous Kwanzaa, Delightful Dongzhi, and A Festivus for the rest of us! Happy Holidays, Everyone!!! 2025 is cooked, done, Finito! Good riddance. It’s been a crazy year for the RB40 household. There were many changes, and not all of them were good. However, I’m an optimist, and I’d like to focus on happy thoughts. Here are some impactful events that happened this year. Mrs. RB40 retired early! Mrs. RB40 wanted to work until our son graduates from high school in 2029. Alas, the plan was foiled when the opportunity to retire early came up this year. She worked for the federal government. The current administration wanted to reduce the workforce and encouraged many workers to leave. Mrs. RB40 liked her work and she didn’t want to retire. However, the opportunity was too good to pass up. She retired with a small pension and kept the same healthcare plan. She wouldn’t have gotten them if she retire in 2029 as planned. The transition to retirement was tough at first. She likes being productive and contributing to society. But she’s getting used to it. All in all, it worked out pretty well for us. RB40Jr started high school and thrived Our son started high school and became a full-on teenager. He joined the debate club and racquetball team. He is taking Algebra, Robotics, Computer Science, and Physics. High school seems to be going very well for him. He has a ton of friends and is on the phone with them constantly. I don’t know what the heck they talk about for hours on end. Teenager stuff, I guess. He isn’t a little kid anymore. It’s a bit sad, but I’m glad too. I have a lot more personal time these days. I’m still driving him all over town, though.   The Retire by 40 blog is winding down This year, I had some difficulties writing a new blog post every week. I’ve been at this for 15 years, and I’m worn out. The blog traffic continues to decline, and we barely made enough income to keep the site running. Next year, I plan to post less often as I meander toward full retirement. AI is taking over, and they will only get better. Blogging is pretty much dead. I had a good run. Thank you for your support over the years! I appreciate all of you very much. Declining Health Growing older is no fun. Mrs. RB40 is in the process of moving her dad into an assisted living facility. He fell several times this year, and now he can’t walk. They weren’t bad falls, but I guess it’s a progression toward losing his mobility. He is in rehab now, but I’m not hopeful. Mrs. RB40 is in California to take over the house, car, and the rest of his estate. She has a ton of stuff to do.   I also got some bad news from my dad. Recently, he was diagnosed with prostate cancer.

My Sweet Retirement BS25125Z 6-Month T-bill is 1.48% The latest Singapore 6‑Month Treasury Bill (T‑bill) auction, issued under the code BS25125Z, has drawn significant attention from investors looking for safe, short‑term returns. With global interest rates shifting and local fixed deposit promotions fluctuating, … BS25125Z 6-Month T-bill is 1.48% My Sweet Retirement

Imagine waking up to breathtaking panoramic lake views, the crystal-clear water shimmering 600 feet below. While Italy’s Lake Como attracts most of the tourists in the region, Lake Garda surprises many with its idyllic location and regional beauty.  Lake Garda can offer more luxury and serenity, specifically at the Cape of Senses, a haven of relaxation designed for adult guests seeking an unforgettable Italian escape. This stunning 5-star property opened its doors in July 2023 […]

My Sweet Retirement GXS Bank Christmas Promotion 2025 The GXS Bank Christmas Promotion 2025 has quickly become one of the most attractive year end banking campaigns in Singapore. While many banks tie festive rewards to credit card spending or complicated product bundles, GXS … GXS Bank Christmas Promotion 2025 My Sweet Retirement

The stock market outlook shows an uptrend as we head into the final trading days of 2025.

This is a debt mutual fund screener for portfolio selection, tracking, and learning. It also includes hybrid funds that invest in bonds. It will satisfy investors who wish to invest in money market funds, banking PSU funds, etc. The credit quality of the bonds in the portfolio and the bond maturity profile can be tracked…. The post Debt and hybrid mutual fund screener (Dec 2025) for selection, tracking, learning appeared first on freefincal.

How to Have an Amazing Christmas, Without Effort or Expense! The post How to do an Amazing, Cheap and Lazy Christmas appeared first on The Thrifty Issue.