Plans Change


In December 2015, our world began to change. We put a plan in place but really didn’t know how it was going to work. First, you need a little background.

When we relocated back to Missouri from Iowa in 2011, we looked for as much house as we could get within our budget. That was our criteria. We felt we ‘needed’ a big house, with a 3 car garage and lots of room to store all our STUFF. So a 4,000 square foot house with 4 bedrooms, 3 bathrooms, full kitchens on both the main level and in the full finished basement seemed perfect. And, it had lots and lots of storage space!

We did several improvements to the landscaping, including installing a sprinkler system. It was going to be our RETIREMENT home and we wanted to spend the money to get it done while we were working. It was also the perfect family gathering house. We hosted Christmas, Thanksgiving, various birthday parties and even a wedding reception!

Our original ‘Retirement’ Home

The PLAN was to get it how we wanted it and pay it down as much as possible before we hit retirement age. We had a plan and we followed it.

Until we decided our small travel trailer was no longer big enough for us. We discovered we loved camping and RVing while living in Iowa. We bought our first travel trailer there and found it was a bit too small when we started taking it out more after the move. We upsized to a 34 ft. trailer in the Spring of 2013 and upgraded our pickup for pulling it.

Did I mention that we were bitten HARD by the RV bug? (It is a real thing, just ask a full-timer.) On a cold February morning in 2015, we traded in our travel trailer for a 5th wheel. It was bigger and pulled easier and we loved it. We took it to South Dakota that summer and to area state parks and lakes as much as possible.

We continued to pay extra on the mortgage and the camper loan, realizing we would probably need to work a few years longer than we originally planned.

AAndy is a nurse and I (Peggy) am a Business Systems Analyst. I worked remote and felt extremely blessed to live close to family and still work for my employer in Iowa.

In December 2015, our plan changed and we had a big decision to make.

My employer made an announcement regarding upcoming staffing changes. Employees with a minimum number of years of service and at least a certain age were offered a package for early retirement.

Hmmm . . . . . .

I took the package. I was also blessed again because I would continue to work until the end of 2016. Salary for another year, and then severance.

We discussed selling the house. We discussed me getting another job. Okay, okay, if I took the package, why would I look for another job? Why didn’t I say no thanks and stay there? Even though I enjoyed what I did, after many years of sitting at a desk, staring at a computer, I saw this as an opportunity to explore other options. After being remote for almost 5 years, I was ready to work next to people.

We crunched numbers. We were not financially able to continue living where we were without my salary. We discussed living full-time in our RV. Andy was not ready to stop working at his current job.

Downsizing to a smaller house, with a better place to park our RV was where we started to lean. I didn’t mention it earlier, but parking the 5th wheel on our 3rd driveway, with it’s a big dip, required ramps, patience, and practice.

After a couple months looking, we found our smaller house on an acre and a half lot. And it came with an RV port!

We cleaned out stuff from our house, carting off loads to various thrift stores and got it ready to list. The timing was perfect for the market and we had a contract within a few days. Of course, we still had lots and lots of stuff stored in the basement and deep garage. We did what we could in the amount of time we had before closing and moving. It wasn’t enough.

At the end of March 2016, we took possession of our downsized home. We had a week between closings, so we painted and cleaned and had new carpet installed. On moving day, the movers brought the furniture and our stuff. We had measured and planned the placement of our ‘too large for this house’ pieces. Yep, it didn’t fit. It was so tight that we had paths in the garage and basement. Recliners upside-down on the downstairs sofa, boxes everywhere. The spare bedroom was packed with the mattresses up against the wall. The sectional barely fit in the living room. Our bed was covered with clothes that didn’t fit in closets that were full of boxes. We put wire racks in the kitchen to hold stuff that had nowhere else to go.

Moving into our downsized home

We slept in our camper for the first week.

Through our blog, we will share our stories of coming to terms with the size of our home and the various things we did to expand our space. We had done remodeling in previous homes, but nothing this extensive. We have been here almost a year and we are not done yet! Still downsizing the stuff, making improvements and growing closer.

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