Thank you for welcoming me to this very exciting and useful site. I will make mistakes but will learn from them too. I am a grandmother of 6 (hopefully more to come) Mother of 4, ex-office administrator, ex-truck driver, ex-wife (by choice) and ex-user of many hats :). I use things I have learned in my “ex” careers and use them to my advantage as I am sure a lot of us do. I am retired with a low social security income, so I need to get as much information on how to survive on a budget as everone else. Thank you, in advance, for all your wonderful insights