For the first time in my life, I sat down and formally put together a monthly budget. Since I am now 59 and a half years around the sun, some people may be shaking their heads that I am just doing this for the first time. It simply was never really on my radar. What persuaded me to sit down and do it is the fact that retiring from the work world is not too far ahead for me, and when the time comes, I desire to be able to do so without worrying about money. To me retiring is not the end of life, but the beginning of new chapter that simply does not include an 8 to 5 job anymore. I will be able to get up every morning and do whatever I feel like doing, and I should not be worrying about money. I am not the type of person who needs to be going out to a job each day to feel useful, or to avoid being bored with life. I do enjoy and love my present job, so it certainly is not about that either. My present job is one that I will happily keep until I decide to retire from working….