It's time to start digging up those Squirrelled Nuts!!!!

jimpwarsop

I still have this nagging doubt that at the age of 58 I really should be going to work instead.

Dont worry, it will fade.

cfw1994

jimpwarsop said:

I still have this nagging doubt that at the age of 58 I really should be going to work instead.

Don’t worry, it will fade.

I turned 58 this month….that nagging feeling disappeared quite some time ago…about a the day after I quit the day job 🤣

Good luck with the Yorkshire 3 Peaks, @german_keeper: a few of us did it back in 2018: a beautiful warm sunny day in May….but it is hard work!  

5 of us set off walking at 05:45hrs….a few joined us at Ribblehead, a couple dropped off & 3 of us managed all 3 in around 13hours.  Fun day out!

Sea_Shell

One also has the choice to look out of the window and say "I'm not going out in THAT!!!"


Think I'll skip my run this morning 

cfw1994

Sea_Shell said:

One also has the choice to look out of the window and say "I'm not going out in THAT!!!"


Think I'll skip my run this morning 

Yup….it isn’t looking good all day: one for reading, watching films, pottering…or maybe a duvet day 🤪

Good for the garden & reservoirs though 👍

jimpwarsop

Sea_Shell said:

One also has the choice to look out of the window and say "I'm not going out in THAT!!!"


Think I'll skip my run this morning 

Yeah wazzing it down here too, I'll still go out for a short walk at some stage.

nobody999

Well at (almost) 58 I am now serving my notice period to retire at the end of the year.

Financially I should be ok according to my spreadsheet but I must admit the current inflation/stock market etc situation has caused some worry.

People keep asking me what my plans are when I retire and my stock response is "I don't know, I've never done it before". I am more of an opportunist than a planner. I will probably have a few weeks off (a novelty as I've only had about 4 holidays of more than a week previously) and then look for some part time/short term work opportunities to add some structure.

Mostly, I am just looking forward to doing whatever I want every day and not having the Sunday night nerves about what is round the corner on Monday.

I read a book on happy retirement and I think I tick most of the happy boxes at the moment: My choice ,yes.Finances ok, yes, active/healthy , yes. Hobbies/interests, yes.

Only regret is that I'm retiring in mid winter, I'm concious that I'm not great at just chilling indoors but each winter is only ever a few months away even if you retire in the summer.  

MallyGirl

Sea_Shell said:

One also has the choice to look out of the window and say "I'm not going out in THAT!!!"


Think I'll skip my run this morning 

It was a wild one - I had committed to joining some others so we went out and got wet. The sun came out just as we got back to the starting point 

Sea_Shell

Debating whether to get back on the "merry go round" of regular savers and their feeder accounts.

It's been quite nice to not chase every last 0.5%, but it's hard to ignore a good deal. 😉

Shame I'm unlikely to be accepted for any new CCs with a worthwhile limit, as stoozing is back on the table too.


I've been up to my elbows in emulsion today, as operation Loo install is complete... except for the decorating, which I'm doing myself.

I think I need an ibuprofen now!

Sea_Shell

Good morning.

Well that was a spendy month!!!!

£5050

Of which £3930 is Household spends
Mostly the cloakroom, and it's new odd and ends, but also some fencing too.

This brings our 12 months to date spends to £18,200.

This would have been 2.84% of our pot last year (forward looking), but once I get the figures for everything tomorrow, it's looking likely to represent about 3.2% of our current pot, due to the falls since this time last year.

Our spending will usually now fall off a cliff for Nov-March, as we hibernate for the winter!    Xmas is not a big spend for us.
We averaged just under £1000 a month during those months last year, including £1000 of holiday bookings.

enthusiasticsaver

Good result on the spending for the year even with your cloakroom and fencing.  We did not do any big household expenditure this year but holidays were through the roof mainly down to Canada plus a few short UK breaks. Cars cost us an arm and a leg this year too.  I have moved away from spreadsheets and money software to Starling which has its own system of recording spending etc but as we have only been with them since June we do not have a full years spend yet though. 

October was £3240 though which included £1028 on both cars, £600 on personal spending for DH and I (although I did not spend my whole £300) some Christmas present spending of £275 and a shockingly high groceries of £356 and eating out £351. We had to refill our freezer though due to emptying it prior to Canada and then restocking when we got back off holiday and the eating out includes four days in Stratford on Avon and a family birthday meal out for DH. 

Not sure I can get our monthly spending down to under £1k but if I do not include our personal spending much of which I do not actually spend anyway then it will probably be around that.  Winter months are usually cheaper.