Our expenditures are low because...our health insurance is low ($250 a month for DH) and we have had few medical expenditures. Medicare kicks in next year so not sure just yet how costs will rise. We own only one car. For fun, we try new places to eat out. Take hikes in new places. Local festivals. Art classes. Cooking new recipes from scratch. Extensive gardening. Field trips with volunteer groups. Our last big trip (to British Columbia) was two years ago so it's time for another.