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Cheery's path to fulfilment - finishing the DIY, looking after myself, appreciating the garden 🌻

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  • Tescodealqueen
    Tescodealqueen Posts: 1,289 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited Today at 12:04PM
    Cheery said

    Rat man has been - rat has eaten all the poison in one of the trays and we've not heard it since he was last here, so we've blocked up the holes on the outside of the house as best we can and will fill with mortar once the weather improves. I've also pinned up a load of insulation in the big loft that had come down - an utterly grim job as it was all full of cobwebs and mouse droppings open_mouth



    We were advised to start with scrunched up chicken wire when filling holes after our rat run incident in the garden, you may have some lying around somewhere. Hope it’s the end of the incident for you. 
    We were lucky here rain not snow, hope all ok with you
  • Elisheba
    Elisheba Posts: 1,846 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Well the washing got done, but I put it on as we went out the door and I confess I forgot about it til I just came in here so that still needs hanging up 🙈

    I did make soup though, just chopped one of the free celeriac, some carrots, and some of the spuds I started chopping on Christmas day before I realised Mr C had already done some in the microwave 😂 added some lentils and a couple of stock cubes, brought to the boil then shoved in the hay box for several hours. Perfectly done and still warm when we came in 😊 I blended mine and had it with a small sprinkling of toasted sesame seeds and a small sprinkling of grated cheese 😊 I'm going to put the rest in the freezer.

    One batch of shortbread is in the oven, another firming in the fridge - I have timers set and am NOT leaving the kitchen until both are safely out of the oven 😂 I am not to be trusted when it comes to baking 😂

    Going to knock us up a paced lunch and packed tea for tomorrow- don't often do this for a trip to Mr C Snr, we often take him out for lunch. We still might, but it will depend on his health tomorrow, he's not at his best right now. And we're going straight from there to a new years eve party, where I imagine snacks will be the order of the day and I want to at least a bit of actual food first. Might just do some kind of cous cous salad for simplicity (ooh, I could roast some courgette & peppers while the oven is on). 

    Been thinking about holidays. Our last trip to Orkney was 11 years ago, we went for a fortnight about every year for 10 years. Prices of self catering cottages are extortionate now though - even late spring the cheapest i could find on the mainland was £1300 for a shepherds hut with an outside kitchen and bathroom! 😱 

    So we have been having lots of discussion about holidays and MAY attempt some house sitting/home swap type activity 😬 Wouldnt want to look after a dog, but we could do cat/chicken/rabbit etc, or could just swap our house (but would anyone want to stay here?? Lovely location but it's not exactly a pristine show home 🙈)

    More investigating to do, I think. If anyone's done this type of thing do shout up!
    In case you are considering beyond Orkney, the tiny cottage I stayed on in Skye is £550pw, every week of the year.  Its out of the way, on the far NW of the island.  Look up Kathy's Cottage on Skye the Independent Cottages website if you are interested.  Its two bedrooms - one with a weird 4 foot wide, 7 foot long bed downstairs, and then two singles upstairs (which are more like a ladder) in eaves room up there.  Bathroom with a small bath and a shower not worth mentioning, and kitchen/living room/diner with fridge/cooker/multifuel stove.  Washing machine available in owners garage 2 hours down.  Enclosed garden.  The cottage is quirky but it does the trick.

    (Disclaimer in case this is too close to advertising - I don't own the cottage, I have nothing to do with it.  I just paid to stay there once))
    Live the good life where you have been planted.
    Fashion on the Ration Challenge 2022 - 15 carried over. Fashion on the Ration Challenge 2023 - 6 carried over. Fashion on the Ration Challenge 2024 - oops! My Frugal, Thrifty Moneysaving Diary
  • Queen_of_the_Hive
    Queen_of_the_Hive Posts: 1,283 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    So. I often get a bit frustrated at pottering round the charity shops every weekend, going to cafes etc - things i love dearly, but sometimes I get a bit grumpy because I'd like to stay home more and Get Stuff Done. 

    However, I had a bit of a revelation today. 

    As you know, we have a bit of an age difference (18 years) which means that if I wait to retire til I'm 68, Mr C will be 86 😱 As such, we won't be getting the 'conventional' retirement together. (I do realise that's never guaranteed anyway, and any number of ailments and accidents may carry one or the other of us off at any point, but the balance of probabilities is definitely against us here).

    So I only work 4 days a week, and plan to drop to 3 days at some point. I **KNOW** all this, and yet it hadn't really occurred to me to think of that extra time off as being technically our 'retirement' together. 

    I can't really tell you what difference it's making, other than a bit of a shift in thinking today, away from wanting to cram all the jobs in, to just appreciating each other's company in a more gentle way. I don't know - at this point I've had nearly 3 weeks off work and I'm quite mellow and things might change when I go back 🙄😂

    Anyway, it got us to thinking about plans. Mr C is eligible for the state pension in just over 3.5 years, and the current mortgage fix ends a couple of months after that, so that seems like a good time frame for planning. 

    By that point, we'd like to have finished all the big house jobs. Not saying we'd look to move then, but if we did want to consider moving at that point, we don't want another 2 years of DIY before we go, like we had last time 😱 

    At that point, I will also definitely drop down to 3 days a week. The plan really is to get promoted (or find a new job, I suppose), which will allow me to to 3 days earlier than that, but we can't do it until there's that extra influx of income. If I do get a substantial enough wage increase, I might do another year at 4 days to build a bit more of a cushion, as things do feel a little precarious in terms of savings at the minute, but as we do have that guaranteed increase in 3.5 years anyway, I'm not sure. Let's see if and when that happens. 

    I'd like to plan to retire altogether with 10 years - I'll be 55 at that point, and Mr C will be 73. I won't be able to claim my works pension until 58 (I don't think) so it'll need a bit of planning. 

    If & when we do move, it's VERY likely we'll go back to the city where we lived before, and we'll buy somewhere where we don't need a mortgage. We'd paid off the mortgage on the old house before we moved, so that's doable - we certainly don't need somewhere as rambling and ridiculous as this 😂 I want to be able to walk to places, and be within easy reach of a bus. We could ditch the second car (we only had one until we moved out here). Our expenses would be MUCH less in a smaller house, and we wouldn't be spending £300 a month on diesel for a start 😱 

    So. Nothing really radical, but it's the first time I've really thought of this time, now, as being an early extension of my 'retirement', and the first time we've both together really thought of a proper plan for Mr C's official 'state retirement' (I've previously thought of chucking his state pension at the mortgage, but this feels more of a concrete decision point).

    Anyway, not sure where I'm going here, except a bit of light rambling and possibly a new diary with some kind of plan for actually retiring myself at 55. Whether I'd actually want to do that remains a mystery - I think yes, Mr C thinks I'd choose to stay on 😂 - but it would be good to work out the actual numbers, and an estimate of how much we'd actually need to live on if we moved and I left work altogether... 🤔

    Hey Cheery, 

    Myself and OH are similar to you but our age gap is 22 years, OH is already retired (March this year due to ill health & had reached state pension age) and my job is normally part time 3 days a week. I totally got what you was saying about thinking about this time as 'part retired'. In my case I live in an area that has quite a retired population and sometimes it really bothers me as im no where near retirement age but can feel like i've retired. Due to our circumstances we don't have the buffer you described and a home with no mortgage and not a lot of upkeep makes a lot of sense. 

    In our case our mortgage was 10 years due to OH age at the time but this will be a benefit to me as we will be mortgage free now in 8 years time, way before my official retirement age. I don't see me stopping work, I do like working of some sort so see 3 days a week is realistic. Maybe at a different company, not too sure yet. New diary sounds interesting! 
    2026 financial goals & challenges!

    1). Mortgage (started Jan 2024) £102,000.00 / £122,400.00 Overpayment total: £1239.11 (Inc Sprive yr 1 & 2 o/p £70.93, £5.52 Natwest o/p & £55.34 reg monthly overpayment) Equity 30%

    2). #TBC Save 1p a day challenge 2026 £0/£780

    3). £2,411.31/£3000 in Investment ISA (33/50 investments)

    4). Sensible money choices & debt reduction

    5). Lose weight, get fitter and read 12 books in 12 months in 2026.
  • Queen_of_the_Hive
    Queen_of_the_Hive Posts: 1,283 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I have 15+ regular savers with varying maximum deposits, some fixed some variable interest rates, some allow withdrawals, some limited withdrawals and others no withdrawals, some 12 months and some 6 months.

    Impressive, love regular savers but most of my cash is now tied up in S&S ISA. I do have one I put money into each month to use as a money buffer for the following year. 
    2026 financial goals & challenges!

    1). Mortgage (started Jan 2024) £102,000.00 / £122,400.00 Overpayment total: £1239.11 (Inc Sprive yr 1 & 2 o/p £70.93, £5.52 Natwest o/p & £55.34 reg monthly overpayment) Equity 30%

    2). #TBC Save 1p a day challenge 2026 £0/£780

    3). £2,411.31/£3000 in Investment ISA (33/50 investments)

    4). Sensible money choices & debt reduction

    5). Lose weight, get fitter and read 12 books in 12 months in 2026.
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