I've been debating, bring my furniture or not to bring my furniture. I have antiques and paintings that I really love. I've spent my adult life slowly finding my personal tastes and purchasing the things I love along the way.
When I visited Costa Rica this summer, George Lundquist, took us to Sarchi as part of his tour where the local craftsmen and furniture makers have sold their products for the past 100 years. There are about 70 family owned workshops, or "talleres" with showrooms along the main road. Many were in little shack like buildings, but with the most amazing and beautiful handmade hardwood furniture I've ever seen. Most of the wood is plantation grown or sustainable tropical hardwoods like cenizaro, guanacaste, melina, and cedar.
These artisans make bedroom sets, dining room, sofas, chairs, dressers, entertainment units, desks, outdoor furniture, swings, baby furniture, and anything else you can imagine. They can recreate a family heirloom or anything you can describe or sketch out for them. You can usually get these custom made pieces for the same price as ready-made items.
Six seater dining tables ran anywhere from $300 to $700. Compare that to $1,500 at regular furniture store here that was most likely made in China.
I saw new beautiful carved queen sized beds from $400 to $600 with matching bedside tables for an additional $150. You could not touch it in the states for under $1,300. Entertainment unit with the space for a TV at $400.
Since I have personally seen the furniture I know what amazing quality is available. Plus remember, these are made with hardwoods.
I have options! I'm thinking I need to find someone else moving at the same time that I could share a moving container with. I still want to bring some of my things, but I do not need them all. To bring a full container costs anywhere from $10,000 to $20,000 depending on the size of the container. I have some thinking to do!
Showing posts with label women retiring. Show all posts
Showing posts with label women retiring. Show all posts
Thursday, September 20, 2012
Saturday, August 11, 2012
Keeping My Eye On The Prize
Now that I have decided to rent my house out and move into my garage apartment I've gotten busy! I had the outside of my house painted this week, including the stairs to the garage apartment, and it has my house looking like new! Next week my wood fence will be stained.
I've been collecting boxes at work. I am going to start packing things that I rarely use. I've also started listing things for sale on Ebay!
I know now I will not be able to finish the house and move everything into storage until the end of December or the beginning of January. It is so hard to be patient. I want to do everything at one time, but finances are just not there for that. It will also be nice to spend one more Christmas in my house. I can tell you I will not be sad to move into the apartment even though it is only 469 Sq. Ft. Just knowing what I will be able to save and knowing how much faster it will move me towards my goal of getting to Costa Rica will make every day a joy!
I am reading an E-book about a man who moved from California to Costa Rica about 10 years ago. From his experiences and from what my friends who are already there is teaching me is that patience is not just a virtue it is necessary to save your sanity!!!! It's funny that patience has always been a problem for me and one of the things I have fought the hardest with is going to be the thing I will need the most for the rest of my life! God has such a crazy since of humor!
Pura Vida
I've been collecting boxes at work. I am going to start packing things that I rarely use. I've also started listing things for sale on Ebay!
I know now I will not be able to finish the house and move everything into storage until the end of December or the beginning of January. It is so hard to be patient. I want to do everything at one time, but finances are just not there for that. It will also be nice to spend one more Christmas in my house. I can tell you I will not be sad to move into the apartment even though it is only 469 Sq. Ft. Just knowing what I will be able to save and knowing how much faster it will move me towards my goal of getting to Costa Rica will make every day a joy!
I am reading an E-book about a man who moved from California to Costa Rica about 10 years ago. From his experiences and from what my friends who are already there is teaching me is that patience is not just a virtue it is necessary to save your sanity!!!! It's funny that patience has always been a problem for me and one of the things I have fought the hardest with is going to be the thing I will need the most for the rest of my life! God has such a crazy since of humor!
Pura Vida
Sunday, July 15, 2012
Better Idea
All righty then....After all that thought and figuring I've come up with another way.
My goal is to cut down on my living expenses so I can save money to be able to go to Costa Rica with as much of an emergency fund as I can. After looking at things from right side up I decided to look from upside down.
I have a full one bedroom apartment over my garage. I've come to the conclusion that it will benefit me more to move into the apartment and rent my house out. This gives the real estate market a little more time to go back up, so when I sell I can get more for my home. I will still have to put the bulk of my furniture etc in storage, but it gives me a FREE place to live while my renters will be paying my mortgage and most likely the storage, so I will be able to save the amount I normally pay each month!
I have plumbers coming out tomorrow morning to fix the toilet in the apartment and put a new faucet on the kitchen sink. A tiny few more touches and it's ready for me to move in. On my house I still need to have the trim outside painted, and may have to paint some of the walls inside to help rent it faster. I love bright colors, but a renter might not like my yellow walls.
I am in an artsy part of Dallas right across the river from Downtown. The houses I've seen go up for rent in my neighborhood have rented quickly.
I have my eyes on the prize, and I think this is the best answer to get me there.
Pura Vida...
My goal is to cut down on my living expenses so I can save money to be able to go to Costa Rica with as much of an emergency fund as I can. After looking at things from right side up I decided to look from upside down.
I have a full one bedroom apartment over my garage. I've come to the conclusion that it will benefit me more to move into the apartment and rent my house out. This gives the real estate market a little more time to go back up, so when I sell I can get more for my home. I will still have to put the bulk of my furniture etc in storage, but it gives me a FREE place to live while my renters will be paying my mortgage and most likely the storage, so I will be able to save the amount I normally pay each month!
I have plumbers coming out tomorrow morning to fix the toilet in the apartment and put a new faucet on the kitchen sink. A tiny few more touches and it's ready for me to move in. On my house I still need to have the trim outside painted, and may have to paint some of the walls inside to help rent it faster. I love bright colors, but a renter might not like my yellow walls.
I am in an artsy part of Dallas right across the river from Downtown. The houses I've seen go up for rent in my neighborhood have rented quickly.
I have my eyes on the prize, and I think this is the best answer to get me there.
Pura Vida...
Tuesday, July 3, 2012
Back To Working My Plan
I've run the numbers and run the numbers, and I still come up with the same answer. For the same reason I will never be able to retire in the US, I now must sell my house in order to save for retirement.
I do love my house, but I do not mind selling it with the end game in my sights. The plan I must work is to sell my house, either move in with my parents or an efficiency apartment, put my furniture in storage and save every thing I have left after the smallest of living expenses. With any profit from the sale of my home and savings, I should be able to move to Costa Rica by the time I retire.
I am actively working towards listing my house. Two weekends ago I cleaned out all my closets and cabinets and put every thing in the garage (for a garage sale) that I have not touched in the last year. I have listed several things on Ebay that I will never use again but are too nice to sell in a garage sale.
This past weekend I washed all 20 windows in my house inside and out and the 4 doors and storm doors. Now I have items at my house that will need to be repaired and painted. There are 2 painters coming out this week to give me quotes. I will have to do some of the repairs a little slower as money permits. My goal is to have it on the market in 2-3 months tops.
I put this quote at the top of my blog last week. It inspired me to move steadily towards my future. "Create a definite plan for carrying out your desire and begin at once, whether you are ready or not, to put this plan into action." Napoleon Hill
Pura Vida...
I do love my house, but I do not mind selling it with the end game in my sights. The plan I must work is to sell my house, either move in with my parents or an efficiency apartment, put my furniture in storage and save every thing I have left after the smallest of living expenses. With any profit from the sale of my home and savings, I should be able to move to Costa Rica by the time I retire.
I am actively working towards listing my house. Two weekends ago I cleaned out all my closets and cabinets and put every thing in the garage (for a garage sale) that I have not touched in the last year. I have listed several things on Ebay that I will never use again but are too nice to sell in a garage sale.
This past weekend I washed all 20 windows in my house inside and out and the 4 doors and storm doors. Now I have items at my house that will need to be repaired and painted. There are 2 painters coming out this week to give me quotes. I will have to do some of the repairs a little slower as money permits. My goal is to have it on the market in 2-3 months tops.
I put this quote at the top of my blog last week. It inspired me to move steadily towards my future. "Create a definite plan for carrying out your desire and begin at once, whether you are ready or not, to put this plan into action." Napoleon Hill
Pura Vida...
Monday, June 25, 2012
Costa Rica No. 1 - The Happiest Place On The Planet
I did not need a report to tell me this, but Costa Rica was named "The Happiest Place on the Planet" for the 2nd time by the Happy Planet Index, the leading global measure of sustainable well-being. The United States ranked 105.
The HPI measures what matters: the extent to which countries deliver long, happy, sustainable lives for the people that live in them. The Index uses global data on life expectancy, experienced well-being and Ecological Footprint to calculate this. The index is an efficiency measure that ranks countries on how many long and happy lives they produce per unit of environmental input. The 2012 HPI report ranked 151 countries.
If you would like to read the entire report go to http://www.happyplanetindex.org/
Pura Vida...
The HPI measures what matters: the extent to which countries deliver long, happy, sustainable lives for the people that live in them. The Index uses global data on life expectancy, experienced well-being and Ecological Footprint to calculate this. The index is an efficiency measure that ranks countries on how many long and happy lives they produce per unit of environmental input. The 2012 HPI report ranked 151 countries.
If you would like to read the entire report go to http://www.happyplanetindex.org/
| Rank | Country | HPI | Experienced well-being | Life expectancy | Ecological footprint |
|---|---|---|---|---|---|
| 1 |  Costa Rica | 64.0 | 7.3 | 79.3 | 2.5 |
| 2 |  Vietnam | 60.4 | 5.8 | 75.2 | 1.4 |
| 3 |  Colombia | 59.8 | 6.4 | 73.7 | 1.8 |
| 4 |  Belize | 59.3 | 6.5 | 76.1 | 2.1 |
| 5 |  El Salvador | 58.9 | 6.7 | 72.2 | 2.0 |
| 6 |  Jamaica | 58.5 | 6.2 | 73.1 | 1.7 |
| 7 |  Panama | 57.8 | 7.3 | 76.1 | 3.0 |
| 8 |  Nicaragua | 57.1 | 5.7 | 74.0 | 1.6 |
| 9 |  Venezuela | 56.9 | 7.5 | 74.4 | 3.0 |
| 10 |  Guatemala | 56.9 | 6.3 | 71.2 | 1.8 |
Pura Vida...
Wednesday, April 18, 2012
Social Security History and Today
Over 50 million Americans receive Social Security benefits. Nearly 9 out of 10 are at least 65 years of age. Those of us who fall in this range are being asked to cover the deficit passed to us by the politicians of the 1960's and find a way to fund our retirement years without becoming a burden to future generations.
According to Scott Rasmussen, our biggest challenge is to get the Political Class to follow the lead of the American people. Social Security, after 80 years, still remains the most lasting and popular legacy of FDR's New Deal. Sixty Four percent of voters nationwide still view it favorably.
President Franklin D. Roosevelt explained he set up Social Security benefits the way he did by saying, "We put those payroll contributions there so as to give the contributors a legal, moral, and political right to collect their pensions and their unemployment benefits. With those taxes in there, no damn politician can ever scrap my social security program." It should also be noted he envisioned a program that would grow to include a combination of "compulsory contributions," supplemented by voluntary contributions made in exchange for increased benefits.
By a three-to-one margin, American people believe that no matter how bad something is Congress can always make it worse. With that mind set, protecting an unsustainable status quo is less risky for voters than trusting congressional reform. Even if Congress crafted the perfect reform plan, and even if voters loved what they heard, popular support would be withheld because voters don't trust Congress.
Accordingly, 64 percent of Americans believe that any proposed change to Social Security should be submitted to a vote of the people before it could be implemented. For more than seventy-five years, Social Security has been presented to voters as a contract between government and individual American Workers. To change a contract lawfully requires approval from both parties. If the government wants to change the contract, it should be required to get approval from those on the other side of the bargain. With the final product being submitted to a vote of American people, the process would be protected from political gamesmanship.
When the program began only 2 percent of an employee's income was paid into the system. The figure has risen to 12.4 percent today, a total paid half by the employee and half by the employer in to what is euphemistically called "contributions" in exchange for a promise of future benefits. To pay all current promised benefits, Social Security trustees estimate the taxes will have to be raised to just over 14.6 percent.
The problem is how to achieve this. Most Democrats say all that's needed is one more Social Security tax hike and the problem can be solved. Most Republicans say that the promised benefits need to be cut either by raising the retirement age or reducing the growth of future benefits. A few on each side would like to go further. Some on the left would like to see taxes raised even more than is needed to make the system solvent. They want benefits for retirees to go up even higher. On the right, many advocate privatization of the program so that individuals can opt out of Social Security. Neither of these ideas are popular with voters. According to Rasmussen, 34 percent of voters say the retirement age should be raised for future generations, 30 percent say taxes should be raised, and 15 percent want benefits to be cut. However, just about everyone agrees that something needs to be done.
The shame of this whole problem is that it did not have to happen. During the 1960s, when economic growth was strong and the retirement program was young, politicians missed an opportunity to address the shortfall caused by the first generation of Social Security recipients. (The first recipient was Ida May Fuller who paid a total of $24.75 into the system and received a total of $22,888.92 in benefits) Deceptive accounting practices were implemented by President Lyndon Johnson making it easier for those who wanted to provide short-term benefit hikes while ignoring long-term costs. This accounting trick also helped President Richard Nixon's reelection in 1972 when he announced he had "signed legislation which constitutes a major breakthrough for older Americans, for it says at last that inflation proof Social Security benefits are theirs as a matter of right." As we now know that was not the fact. According to government documents, the Social Security trust fund has a long-term deficit of $17.9 trillion. They claim the trust fund has enough reserves to keep paying benefits in full until 2036.
Sixty-five percent of voters believe individuals should have the right to select their own retirement age. Only 23 percent disagree. Over the long term, people choosing later retirement ages could cut the cost of Social Security nearly in half. It is an acknowledgement that one-size-fits-all solutions don't make sense in a society as big and diverse as that of the United States.
Statistically, most Americans support FDR's concept of setting aside money during the working years to earn benefits during retirement years. With that said, most are not happy with the current mix of taxes and benefits. Everyone is looking for a better way to make Social Security beneficial for today's worker. Many, including 53 percent of seniors, believe by freeing people to make their own choices, the long-term cost of social security benefits will be reduced far more than anybody in Congress would dare propose. On top of that, it would be accomplished with the consent of the governed and in a manner that improves everyone's confidence in Social Security.
According to Scott Rasmussen, our biggest challenge is to get the Political Class to follow the lead of the American people. Social Security, after 80 years, still remains the most lasting and popular legacy of FDR's New Deal. Sixty Four percent of voters nationwide still view it favorably.
President Franklin D. Roosevelt explained he set up Social Security benefits the way he did by saying, "We put those payroll contributions there so as to give the contributors a legal, moral, and political right to collect their pensions and their unemployment benefits. With those taxes in there, no damn politician can ever scrap my social security program." It should also be noted he envisioned a program that would grow to include a combination of "compulsory contributions," supplemented by voluntary contributions made in exchange for increased benefits.
By a three-to-one margin, American people believe that no matter how bad something is Congress can always make it worse. With that mind set, protecting an unsustainable status quo is less risky for voters than trusting congressional reform. Even if Congress crafted the perfect reform plan, and even if voters loved what they heard, popular support would be withheld because voters don't trust Congress.
Accordingly, 64 percent of Americans believe that any proposed change to Social Security should be submitted to a vote of the people before it could be implemented. For more than seventy-five years, Social Security has been presented to voters as a contract between government and individual American Workers. To change a contract lawfully requires approval from both parties. If the government wants to change the contract, it should be required to get approval from those on the other side of the bargain. With the final product being submitted to a vote of American people, the process would be protected from political gamesmanship.
When the program began only 2 percent of an employee's income was paid into the system. The figure has risen to 12.4 percent today, a total paid half by the employee and half by the employer in to what is euphemistically called "contributions" in exchange for a promise of future benefits. To pay all current promised benefits, Social Security trustees estimate the taxes will have to be raised to just over 14.6 percent.
The problem is how to achieve this. Most Democrats say all that's needed is one more Social Security tax hike and the problem can be solved. Most Republicans say that the promised benefits need to be cut either by raising the retirement age or reducing the growth of future benefits. A few on each side would like to go further. Some on the left would like to see taxes raised even more than is needed to make the system solvent. They want benefits for retirees to go up even higher. On the right, many advocate privatization of the program so that individuals can opt out of Social Security. Neither of these ideas are popular with voters. According to Rasmussen, 34 percent of voters say the retirement age should be raised for future generations, 30 percent say taxes should be raised, and 15 percent want benefits to be cut. However, just about everyone agrees that something needs to be done.
The shame of this whole problem is that it did not have to happen. During the 1960s, when economic growth was strong and the retirement program was young, politicians missed an opportunity to address the shortfall caused by the first generation of Social Security recipients. (The first recipient was Ida May Fuller who paid a total of $24.75 into the system and received a total of $22,888.92 in benefits) Deceptive accounting practices were implemented by President Lyndon Johnson making it easier for those who wanted to provide short-term benefit hikes while ignoring long-term costs. This accounting trick also helped President Richard Nixon's reelection in 1972 when he announced he had "signed legislation which constitutes a major breakthrough for older Americans, for it says at last that inflation proof Social Security benefits are theirs as a matter of right." As we now know that was not the fact. According to government documents, the Social Security trust fund has a long-term deficit of $17.9 trillion. They claim the trust fund has enough reserves to keep paying benefits in full until 2036.
Sixty-five percent of voters believe individuals should have the right to select their own retirement age. Only 23 percent disagree. Over the long term, people choosing later retirement ages could cut the cost of Social Security nearly in half. It is an acknowledgement that one-size-fits-all solutions don't make sense in a society as big and diverse as that of the United States.
Statistically, most Americans support FDR's concept of setting aside money during the working years to earn benefits during retirement years. With that said, most are not happy with the current mix of taxes and benefits. Everyone is looking for a better way to make Social Security beneficial for today's worker. Many, including 53 percent of seniors, believe by freeing people to make their own choices, the long-term cost of social security benefits will be reduced far more than anybody in Congress would dare propose. On top of that, it would be accomplished with the consent of the governed and in a manner that improves everyone's confidence in Social Security.
Friday, March 30, 2012
Here We Come
I finally made my reservations and will be on my way to Costa Rica with my youngest daughter in the late spring. I am looking so forward to my tour with George and learning everything I can about retiring there.
On the subject of retiring, I'm sure I will not be completely retiring. The money is just not there, but I have time to find something I can do from Costa Rica to supplement my social security.
I found the most wonderful Bed and Breakfast that we will be staying in. The views from their location are beautiful, and the rooms and patios are flooded with the flavor of Costa Rica. This is the link to Margarita's Airport B&B. http://airport-san-jose.bed-and-breakfast.cr/airport.html?bbcom
I am still in the process of looking at different things to do while we are there. Zip Lining is at the top of the list along with spending a beach day on the Caribbean side. They have miles of zip lining tours over the canopy of the rain forests and jungles. I am scared of heights, but I know I will be so mad at myself if I miss this great opportunity. My 85 year old mother did it last year, so I guess I can!
On the subject of retiring, I'm sure I will not be completely retiring. The money is just not there, but I have time to find something I can do from Costa Rica to supplement my social security.
I found the most wonderful Bed and Breakfast that we will be staying in. The views from their location are beautiful, and the rooms and patios are flooded with the flavor of Costa Rica. This is the link to Margarita's Airport B&B. http://airport-san-jose.bed-and-breakfast.cr/airport.html?bbcom
I am still in the process of looking at different things to do while we are there. Zip Lining is at the top of the list along with spending a beach day on the Caribbean side. They have miles of zip lining tours over the canopy of the rain forests and jungles. I am scared of heights, but I know I will be so mad at myself if I miss this great opportunity. My 85 year old mother did it last year, so I guess I can!
Thursday, February 23, 2012
Small World
Talk about a small world. I have been emailing back and forth with my cousin. I told him I was going to Costa Rica and would be on a retirement tour. He emailed me back and said, "Not George Lundquist? My wife and I have been thinking about going there and taking his tour." I was so excited. The word is every where about George's tour. Also, as it turns out his brother, my cousin, had gone to Costa Rica and visited with George, but not actually taken the tour. Maybe there will be a whole colony of us living in Costa Rica!
The Costa Rican Government is very careful to protect it's citizens ability to earn a living. Anyone can move to Costa Rica, but no one that is not a citizen can work for a company there. They do not want people moving in and taking jobs away for their citizens. You can however open your own business. George opened his retirement tour business there. For this reason, I am taking the online English teaching course by TESOL Express, so I can tutor to make extra money. If I can find a need when I get there that matches skills I have I'd love to start a business. I have owned 2 of my own businesses in my life time, so it would not be something completely new for me.
Cheers,
Claudia
The Costa Rican Government is very careful to protect it's citizens ability to earn a living. Anyone can move to Costa Rica, but no one that is not a citizen can work for a company there. They do not want people moving in and taking jobs away for their citizens. You can however open your own business. George opened his retirement tour business there. For this reason, I am taking the online English teaching course by TESOL Express, so I can tutor to make extra money. If I can find a need when I get there that matches skills I have I'd love to start a business. I have owned 2 of my own businesses in my life time, so it would not be something completely new for me.
Cheers,
Claudia
Wednesday, February 15, 2012
English Course
I started my English teaching class. It's wonderful and very different than what I thought it was going to be. The first section deals with how to work with students that do not speak English, therefore not really understanding much of what you are saying. So many things I never considered.
The course is teaching such things as hand gestures to signal what you are saying. Using the board to put examples in pictures of what you are talking about. Words not to use. Shorten your sentences using as little words as possible. Cutting down on your adverbs and adjectives. It will be very different from teaching children that already speak the language.
I have learned one lesson...do not try to study a lesson and take the test at work. I failed my first test! Not a good start, plus I am a personality that hates to make mistakes. Especially when I consider them stupid mistakes.
This process really is empowering. We are all going to need or want to stop working one day and be able to enjoy the rest of our lives. If we do not start planning and working our plan it will never happen. I have my 2-3 year plan and feel great seeing it already starting.
Cheers,
Claudia
The course is teaching such things as hand gestures to signal what you are saying. Using the board to put examples in pictures of what you are talking about. Words not to use. Shorten your sentences using as little words as possible. Cutting down on your adverbs and adjectives. It will be very different from teaching children that already speak the language.
I have learned one lesson...do not try to study a lesson and take the test at work. I failed my first test! Not a good start, plus I am a personality that hates to make mistakes. Especially when I consider them stupid mistakes.
This process really is empowering. We are all going to need or want to stop working one day and be able to enjoy the rest of our lives. If we do not start planning and working our plan it will never happen. I have my 2-3 year plan and feel great seeing it already starting.
Cheers,
Claudia
Wednesday, February 1, 2012
Continuing to Map It
Not so fast....Would you believe after 3 phone calls and 5 different departments my savings account just went on line today! Something that should have been so simple took two weeks.
I am continuing to move forward. Today I signed up for a 120 hour course to become certified to teach and tutor English. This course specializes in teaching non English speaking students. English is a required course in Costa Rica. Hopefully when I get there I will be able to find people to tutor. I'd particularly like to tutor adults who need to become more proficient for their business careers. The English language and perfect grammar have always been important to me. Ask my children. I nearly drove them crazy correcting their speech. Today they thank me!
My travel agent is still looking for a great deal on flight tickets for Meleese and me. We are looking so forward to getting to Costa Rica and taking George's retirement tour.
Cheers,
Claudia
I am continuing to move forward. Today I signed up for a 120 hour course to become certified to teach and tutor English. This course specializes in teaching non English speaking students. English is a required course in Costa Rica. Hopefully when I get there I will be able to find people to tutor. I'd particularly like to tutor adults who need to become more proficient for their business careers. The English language and perfect grammar have always been important to me. Ask my children. I nearly drove them crazy correcting their speech. Today they thank me!
My travel agent is still looking for a great deal on flight tickets for Meleese and me. We are looking so forward to getting to Costa Rica and taking George's retirement tour.
Cheers,
Claudia
Wednesday, January 11, 2012
WORKING MY PLAN
Keeping my eye on the mark. Make a plan and work it.
I sat down several nights ago and started my Costa Rica or bust success list. I am on a 17-24 month plan to retire in Costa Rica. Well, semi-retire. I'll have to find something to do to supplement my pitiful social security.
First step...plan an information gathering trip to Costa Rica. Done. Will be there in late spring.
Second step...Take Spanish. Almost done. When I get back from my trip and know for sure Costa Rica is for me I will be bidding on Ebay for the full Rossetta Stone Spanish Course. Ole'
Open a specific savings account. Spend money on nothing except the life giving essentials (Going cold-turkey!). Will be at the bank tomorrow.
Build my Ignite (Stream Energy) business!
It's a start! Head down and engines revved!
Cheers,
Claudia
I sat down several nights ago and started my Costa Rica or bust success list. I am on a 17-24 month plan to retire in Costa Rica. Well, semi-retire. I'll have to find something to do to supplement my pitiful social security.
First step...plan an information gathering trip to Costa Rica. Done. Will be there in late spring.
Second step...Take Spanish. Almost done. When I get back from my trip and know for sure Costa Rica is for me I will be bidding on Ebay for the full Rossetta Stone Spanish Course. Ole'
Open a specific savings account. Spend money on nothing except the life giving essentials (Going cold-turkey!). Will be at the bank tomorrow.
Build my Ignite (Stream Energy) business!
It's a start! Head down and engines revved!
Cheers,
Claudia
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