When you are planning to retire or already retired, there is one major obstacle to overcome. That obstacle is money, or more to the point lack of money. When your income drops as a result of hanging up your work attire permanently, you need a way to get some cash flowing in again. As a homeowner, you have one obvious option. You can take out a home mortgage. What you might not know is your mortgage options expand to include reverse mortgages when you reach age 62. The Basics of the Reverse Mortgage Solution A reverse mortgage can best be summed up as a mortgage that pays you. Instead of receiving ongoing mortgage bills, you pay the money back when you can. In fact, sometimes you can receive reverse mortgage…

The boys and I have had a long day. After school, we were getting some things done around the house before I took them to therapy. Therapy went pretty well and while it did get pretty emotional for a bit, everyone did well. I took the kids out clothes shopping because everyone has outgrown a lot of their clothes. Elliott and Gavin both needed new shoes and I need way more than I got for myself, but it's a start. This shopping trip was so expensive but it was necessary, whether we went to Florida or not. We're just at that stage where everyone is growing out of their stuff. I still need to get Emmett a few shirts and a few more for myself. I think Elliott is good…

I cannot wait to get back to walking every day. Since Emmett has been struggling with school, getting out to the park has proven challening. I miss the sense of peace I find while out in nature and it's a big part of how I manage my stress and depression. I'm really hoping that this trip hits the reset button for us and we come home in a better place. I don't expect it to be perfect but the change of environment should be good for all of us. Giving back is always a positive thing and I want the kids to gain a little perspective. No matter how bad we may feel or how difficult our lives can get, there are always people out there struggling with more. Anyway,…

I wanted to make a quick update on my current methods of managing my depression. It occurred to me that I haven't updated in awhile and since I have therapy is a few hours, I thought it would be a good time. At the end of the day, I'm doing okay. Things could always be better but they could absolutely be worse. I'm holding my own. Currently, I'm in therapy, taking meds and focusing on selfcare. One of the the things that I'm contemplating looking into CBD again. I've used it in the past and they did help, especially with my anxiety. I checked with my doctor first and it worked out well for me. There is a lot of science behind it but everyone is different. There are a…