So post a topic you would like to discuss. The direction of any forum is led by those who post topics.

What's on your mind?

I do so agree that all information is good because it might be used at some point in life, it's tools in the arsenal. I don't know know why I posted that the other day, feeling frustrated, life is a bit overwhelming right now, not really financially but somewhat.
I keep reading about the need for at least 7 figures in retirement, which I won't have not even close, but I am fifty one and and starting over in a lot of areas.

Agree with the others. Post a question you need help with, or go back and read old posts that may help you. Read some downsizing posts and see if you can do with a smaller place or basic cable, etc. There are financially planners that you can go to for little to no fees. Make one positive step to counteract the negatives you are feeling. Just takes that first step. NancyLouise

I like grain_lady & others comments on being open-minded. Saving money covers a large range of topics. If we have a policeman on the Internet that restrict what's appropriate or pertinent to a topic, what's not ... then we won't learn much. It would be a Communist country that way.

Well, Bumblebeez ... from way south of here (north of Lake Erie ... where we had a couple of frosts, last week ... but the corn and a dozen other things in my garden weren't up) ...

... do you have a topic that you'd like to see discussed?

As Grainlady, I've been frugal for most of my life, and now live within my pensions, by choice, rather than necessity, so the investments are currently pretty well "play money" ...

... until I may need them to pay my way in a retirement or nursing home, or for medical care beyond what the Ontario healthcare system covers.

Having lived in 22 locations in my 80 some years, I've never owned a home so can't qualify for being income tax exempt on the capital gain on owner-occupied home that many Canadians enjoy. I lived in employer-owned accommodation for a number of years ... but knew that when I became fired or retired ... I'd have to provide my own housing, so invested, looking toward that day.

I seldom use my credit cards (which I call "debt" cards).

As a financial consuItant, selling mutual funds for about a year, then no financial products, I recommended to people that they have a cushion of asset available in case of need, so that they need not sweat blood if they were unemployed for 6 months to a year, but had mortgage, auto, etc. loans to pay, apart from carrying credit card debt. I haven't always had such a cushion, myself, as I figured that I could put bills for emergency on the credit card when needed, then pay the full amount from the line of credit that has lain rarely used for about 20 years or so, I figure. When I'd pay 18 - 22% annual rate, compounded monthly, on regular "credit" card bills after the first month ... or 28% or so, same deal, on store-issued cards ... I liked the 4.25% on the line of credit (last time I asked) a lot better, and planning to pay that loan off as quickly as possible.

I feel differently about borrowing to invest, though, which may provide a net return to me on occasion: may use such with care, though probably not in the current climate.

Good wishes to you for the coming days: hope they are less stressful for you than they may be currently.

ole joyful