Ole E Living Comfortable Free Download

We must venture outside and explore beyond the pale to feel truly alive. So although we may think we want a comfortable life, the fact remains that when it comes we feel uncomfortable, lost and uneasy.

If I were to add anything, it would also be: Not living in fear. Fear of the future, fear of the neighbors, fear of a disaster. Yes, I'm aware that something in the "act of God" category could happen--some wild rare disease, a Katrina-like natural disaster, a comet crashing into the moon. Fine. I'm not safe from everything. But that's not really a day-to-day worry of mine, and in general, I don't have to deal with daily, real fear. I feel like whatever disasters may befall me will probably be ones that I can survive.

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For us living comfortable is: not having to worry about being able to pay that months bills, not having to plan ahead for little things like sneakers, not carrying debt on our shoulders (other then the house), knowing we are doing our best to save for retirement, having an emergency fund to fall back on when the car breaks down.

I think that you get "comfortable" by learning to live within a budget. I do realize that there are some people who simply do not earn enough money. If that's your situation, then the first step to becoming "comfortable" would be to find a way to increase your take home pay. But I think that there are a lot of people who do make enough to reach these comfort goals, if only they learned to manage their money better. I know from whence I speak on this account.

Please understand right up front that I am aware there are lots of people who consider themselves "comfortable" without some of these things. And, personally, there are a few I could live without or cut back on, if the rest of my family (and specifically my husband) would cooperate. But, given my family and my personal situation, that's "comfort" for me.

So, sure, we're not talking subsistence, but we're not living high on the hog, here, either. And, although my husband makes what objectively looks like a very nice salary, the truth is that, after covering the items listed above and our daughter's tuition payments and living expenses, there's not much left over.

We are currently making about $10-15,000 less per year now than when we lived up north, but our standard of living is only slightly less than it was when we made more, and that's because we had health insurance with our last job and do not here. Scarily, we live on a PhD stipend and random, part-time income gleaned from many different places and we are making slightly more than the average per capita income for our state ETA: this hovers around the national poverty line). Seeing the poverty here has made us very sad yet appreciative of what we do have. Despite the poverty, though, we are surrounded by some of the most generous people we have ever met. It is amazing.

I do understand that *basic safety* costs more in some areas than in others, and that my house transplanted into your town would be far more expensive than it is here. But that means that me and my neighbors wouldn't be living there anymore. They'd live two or three towns away, and take the bus in. In other words, it really does take more money to live "comfortably" in your area, but living in your area is already a choice to live at a certain level, KWIM?

ITA, Michele, your definition about sums it up for me too. We have older cars, don't buy electronics or big toys or books (outside of quality used ones for the kids), don't go out for expensive meals etc. I would consider comfortable to be--all the basics covered, and then a little extra for emergencies or sneakers or the occasional birthday surprise or small luxuries (like my Clinique facial scrub, which I might be starting to consider a necessity, actually--stupid pimples!).

Comfortable, to me, is being able to meet my here-and-now basic needs, and have some say in how those needs are met. I'm talking about housing, food, clothing. Being able to pay the bills. Having little-to-no-debt (other than a home mortgage; I do consider that exceptional compared to, say, going into debt to buy groceries). If I'm sitting at home, using a computer to interact with the rest of the world, that's beyond comfortable. If I have an array of choices at my disposal, that's beyond comfortable, imo. If I've got money to spend to entertain myself, that's beyond comfortable. If I can save for the future, that's beyond comfortable. So in light of that, I am beyond comfortable.

See, to me, what you're describing is the difference between financially secure and financially comfortable. IMO, there's a margin between the two where my broadband and cable, organic groceries, and occasional pizza deliveries fall. I could indeed survive without those things, but I wouldn't be particularly happy, and I'd feel deprived, which would mean that I wasn't comfortable.

We are on the bottom rung of the income poll. For us, comfortable would mean having enough to get off various types of government assistance, pay for food and health insurance, have savings in the bank, and ideally, be debt-free. It would not necessarily include things like a second car, yearly vacations, or owning a home.

Comfortable to me is having enough money to pay the bills and meet basic needs. Not having to worry about how you are going to go to your cousin's wedding when you don't have money to buy a dress, and you don't have a dress hanging in your closet. It's not having to worry about how you are going to afford new shoes for your kids, especially the one with wide feet whose shoes cost $50, because you can't find a pair that fits at Wal-mart. It is having enough money to fix the car when it breaks down and not having to use one credit card to pay the monthly payment on another. That's comfortable.

In our case, the reason we live where we do is because my husband has a chronic back problem that is aggravated by driving. He also cannot do much in the way of physical upkeep on the house. So, we pay a little extra to live in a well-maintained, newish house within a 15-minute commute to his office in order to make life physically more comfortable for him. It also saves us on medical bills. When we lived farther away from his job, he ended up in the ER or at least making the rounds of various doctors at least once or twice a year.

Could I make due or even be "comfortable" with less? Me, personally? Yes. However, my husband would be miserable--physically, if we moved too far out, and emotionally, if he had to go around feeling insecure about having the kids and me out and about in our own neighborhood or had to live somewhere that had too many maintenance problems--and that would make me extremely UNcomfortable.

And our son take a full slate of dance classes at a good school. He could live without them, but they are an important part of his life. Doing without them would make him very unhappy. It wouldn't be deprivation, for sure, but it wouldn't be comfortable.

Being able to do things like this without having to go without groceries is what makes us "comfortable." But I consider us only just a bit more than comfortable, because we do have to budget carefully in order to allow for them.

But for me, "comfortable" means that if your child needs glasses, you buy glasses. If your child is sick, you can choose whether to go to the doctor - that it's not all about the money. Comfortable means that you can have two cars in working order if that's what you really want, that your children can do the occasional "extra" like music or art, even though that is a clear "want" and not a need. It means that you can buy decent food to feed your family, and once in a while you can buy a bottle of wine or have an inexpensive meal out. It means that you can choose if you would rather have cable or get the newspaper, or subscribe to a magazine or have netflix - you won't have all of them, but you can have the one that means the most to you. To me "comfortable" means that you budget for things like clothes, shoes, and car repairs with actual money and that if you are thrifty and disciplined, you don't have to go into debt for actual "needs" like medical care, food, gasoline to get to work, heating in winter.

For me, comfortable is all that has been stated, but also being able to afford the occasional luxury...not having to save for months on end for a flat screen TV, not having to save up to buy homeschool materials for next year. 0852c4b9a8

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