Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • JoeEngland
    • By JoeEngland 8th Jul 18, 12:34 PM
    • 70Posts
    • 73Thanks
    JoeEngland
    How to keep going for the last couple of years
    • #1
    • 8th Jul 18, 12:34 PM
    How to keep going for the last couple of years 8th Jul 18 at 12:34 PM
    We have a plan to early retire in two years. Hopefully soon after that we'll put the house on the market as we need cash from buying a cheaper property, and I'm looking forward to living somewhere more rural.

    For a few years I've been finding it difficult to stay motivated at work, but it's getting worse now and even two years more feels like a long time. I'm trying to focus on short-term goals such as holidays and getting various jobs on the house done. What is the experience of others in the last few years leading up to retirement, especially those for whom work is a chore rather than a passion?
Page 1
    • AnotherJoe
    • By AnotherJoe 8th Jul 18, 12:45 PM
    • 9,826 Posts
    • 10,966 Thanks
    AnotherJoe
    • #2
    • 8th Jul 18, 12:45 PM
    • #2
    • 8th Jul 18, 12:45 PM
    IME once you've actually nailed down the date for sure, it becomes much more stress free at work and you also dont have to care about being motivated.



    So, I'd start with actually setting a solid date. July 9th 2020 for example. Define what you'll need at that point. Have you done the sums to be sure you can afford it? Do you know how much you are spending per month?



    Once thats sure, now you know, put that date in your calendar and put a date in 1? 3? months early to resign at work. No more "One More year" syndrome.


    Plan a big holiday (perhaps) a few weeks after you pack it in. As you are doing, get jobs round the house done.



    Just do your job 9-5 (or whatever) and dont worry about being motivated, after all i bet 75% of the population arent "motivated" by their jobs either. Why should you be? So dont let it worry you and now you can forget about the job after the day is done.
    • OldMusicGuy
    • By OldMusicGuy 8th Jul 18, 12:59 PM
    • 440 Posts
    • 874 Thanks
    OldMusicGuy
    • #3
    • 8th Jul 18, 12:59 PM
    • #3
    • 8th Jul 18, 12:59 PM
    I spent two years struggling to retirement, the way I did it was by marking specific milestones. There were various projects and things I had to do that were hard work but I was able to say "well I only have to do that one more time" or "that's the last time I will ever have to do that". I had about five big milestones that I was able to mark down one by one and I found it really helped.

    I also started refusing to take on new projects/work in my last year on the basis that there was no point as I would have to hand it over to someone else almost as soon as I had done the work. Thus it would make more sense to give the new work to the person that would have to take it over from me. I offered to assist in these tasks but simply refused to take on new responsibility. But I told my employers that I intended to retire two years before my leaving date and thus I was able to position saying "no" to new work as part of my succession plan....

    Sounds like we have a similar plan to you. We are downsizing next year to somewhere more rural.
    • JoeEngland
    • By JoeEngland 8th Jul 18, 1:46 PM
    • 70 Posts
    • 73 Thanks
    JoeEngland
    • #4
    • 8th Jul 18, 1:46 PM
    • #4
    • 8th Jul 18, 1:46 PM
    AnotherJoe, I've worked out how much money we'll need, and the wife isn't keen on going to full on retirement at that point so she'll probably try to get a PT job when we move, or possibly carry on FT a bit longer than me and we'll hold off moving for a year then she'll try to get a PT job.

    OMG, where are you hoping to move to? I've got some ideas for us, one of which is Anglesey so we're going there for a long weekend this year to have a look around.
    • JoeEngland
    • By JoeEngland 8th Jul 18, 1:48 PM
    • 70 Posts
    • 73 Thanks
    JoeEngland
    • #5
    • 8th Jul 18, 1:48 PM
    • #5
    • 8th Jul 18, 1:48 PM
    IME once you've actually nailed down the date for sure, it becomes much more stress free at work and you also dont have to care about being motivated.



    So, I'd start with actually setting a solid date. July 9th 2020 for example. Define what you'll need at that point. Have you done the sums to be sure you can afford it? Do you know how much you are spending per month?



    Once thats sure, now you know, put that date in your calendar and put a date in 1? 3? months early to resign at work. No more "One More year" syndrome.


    Plan a big holiday (perhaps) a few weeks after you pack it in. As you are doing, get jobs round the house done.



    Just do your job 9-5 (or whatever) and dont worry about being motivated, after all i bet 75% of the population arent "motivated" by their jobs either. Why should you be? So dont let it worry you and now you can forget about the job after the day is done.
    Originally posted by AnotherJoe
    The plan is to hand my notice in on my 54th birthday in July 2020 !!!128515;
    • kidmugsy
    • By kidmugsy 8th Jul 18, 1:56 PM
    • 11,046 Posts
    • 7,598 Thanks
    kidmugsy
    • #6
    • 8th Jul 18, 1:56 PM
    • #6
    • 8th Jul 18, 1:56 PM
    So, I'd start with actually setting a solid date. July 9th 2020 for example.
    Originally posted by AnotherJoe
    When will the European football championship final be? Or Wimblebore? Should one plan around the dates of that sort of public event?
    Free the dunston one next time too.
    • kidmugsy
    • By kidmugsy 8th Jul 18, 2:00 PM
    • 11,046 Posts
    • 7,598 Thanks
    kidmugsy
    • #7
    • 8th Jul 18, 2:00 PM
    • #7
    • 8th Jul 18, 2:00 PM
    where are you hoping to move to? I've got some ideas for us, one of which is Anglesey so we're going there for a long weekend this year to have a look around.
    Originally posted by JoeEngland
    Are you used to a west coast climate? More rainfall than the east, relaxing rather than bracing days, gales in winter.
    Free the dunston one next time too.
    • Doglegger
    • By Doglegger 8th Jul 18, 2:39 PM
    • 18 Posts
    • 10 Thanks
    Doglegger
    • #8
    • 8th Jul 18, 2:39 PM
    • #8
    • 8th Jul 18, 2:39 PM
    For a few years I've been finding it difficult to stay motivated at work, but it's getting worse now and even two years more feels like a long time. I'm trying to focus on short-term goals such as holidays and getting various jobs on the house done. What is the experience of others in the last few years leading up to retirement, especially those for whom work is a chore rather than a passion?
    Originally posted by JoeEngland
    I feel your pain. Made the discovery I could go early 2 years ago but still have 5 years before I can. It's a struggle every trip I go away. I can't wish my life away but this period until then really can't come quick enough.
    I feel I'm too old for the job I'm doing but they've increased the travelling and time away which I'm finding really difficult. Can't give it up as I need the level of income for the next 4 years to clear the path for retirement and keep up the pension contributions. I can't go back to working in the office for reasons of maintaining some level of sanity.
    To be honest, I didn't think like this at all when I thought I would be working to NRD....but that's completely changed since I realised I didn't have to. I wish it was a vocation but it's a means to an end and it can't end quickly enough. Reading on old threads on here it seems a pretty common feeling once you know when you want to go.
    • JoeEngland
    • By JoeEngland 8th Jul 18, 3:01 PM
    • 70 Posts
    • 73 Thanks
    JoeEngland
    • #9
    • 8th Jul 18, 3:01 PM
    • #9
    • 8th Jul 18, 3:01 PM
    I feel your pain. Made the discovery I could go early 2 years ago but still have 5 years before I can. It's a struggle every trip I go away. I can't wish my life away but this period until then really can't come quick enough.
    I feel I'm too old for the job I'm doing but they've increased the travelling and time away which I'm finding really difficult. Can't give it up as I need the level of income for the next 4 years to clear the path for retirement and keep up the pension contributions. I can't go back to working in the office for reasons of maintaining some level of sanity.
    To be honest, I didn't think like this at all when I thought I would be working to NRD....but that's completely changed since I realised I didn't have to. I wish it was a vocation but it's a means to an end and it can't end quickly enough. Reading on old threads on here it seems a pretty common feeling once you know when you want to go.
    Originally posted by Doglegger
    I feel lucky to have a viable plan to go early. Even if I didn't have a health issue which makes working another 10 or more years at a desk a physical impossibility, mentally I would find it difficult to cope with the thought of working that much longer. Even now I find it frustrating not having enough time for things I want to do, and every year at work is a year of sub-optimal life gone forever. Most likely I'm at least two thirds through my lifespan where I'm physically able to enjoy life to a good extent.
    • JoeEngland
    • By JoeEngland 8th Jul 18, 3:07 PM
    • 70 Posts
    • 73 Thanks
    JoeEngland
    Are you used to a west coast climate? More rainfall than the east, relaxing rather than bracing days, gales in winter.
    Originally posted by kidmugsy
    Weather is something we'll need to consider in where to move to. TBH the weather is crap most of the time anywhere in the UK, the real summer we're having now is the kind of thing that only happens every 5 or so years. Anglesey appeals to me as it's not densely populated, has some great scenery and the rest of North Wales is close by.
    • stoozie1
    • By stoozie1 8th Jul 18, 3:13 PM
    • 567 Posts
    • 521 Thanks
    stoozie1
    Sorry if you already speak it, but if Anglesey is on the cards, you could learn Welsh.

    I recommend the duolingo app.
    Save 12 k in 2018 challenge member #79
    Target 2018: 24k Jan 2018- 560 April 2670
    • tacpot12
    • By tacpot12 8th Jul 18, 4:23 PM
    • 1,180 Posts
    • 1,006 Thanks
    tacpot12
    I found an app for my phone that counted down the number of working days. It is called Countdown. It allows you to set the number of days holiday you are allowed per year, and bank holidays, so that it tells you exactly how many more days you have to go to work. It is a bit daunting at first, and may not be helpful until you have less than a year to go, but it did cheer me up.

    My later career made work a chore for me. I was not well suited to the roles I was qualified for, but it was well paid, and this, combined with saving hard, allowed me to retire before I was 55.

    I was worked diligently, but when frustrations arose, I would remind myself that I only needed to keep going for so long.

    Keeping yourself busy with projects at home in the run up to retirement is also a good idea. You are working towards your goal.
    • Marcon
    • By Marcon 8th Jul 18, 8:13 PM
    • 341 Posts
    • 231 Thanks
    Marcon
    Any chance you could go part time - say four days a week, giving yourself a long weekend in which to pursue things you find more interesting than your current job?

    Alternatively, and possibly wishful thinking, have you considered getting a different job - possibly one which isn't quite so well paid but would be tolerable for 3 years rather than just 2, which would also fit with your wife's aspirations not to leap into full retirement?
    • kidmugsy
    • By kidmugsy 8th Jul 18, 8:32 PM
    • 11,046 Posts
    • 7,598 Thanks
    kidmugsy
    TBH the weather is crap most of the time anywhere in the UK
    Originally posted by JoeEngland
    Oh what rubbish. We don't all live in Manchester or Glasgow.
    Free the dunston one next time too.
    • JoeEngland
    • By JoeEngland 8th Jul 18, 8:59 PM
    • 70 Posts
    • 73 Thanks
    JoeEngland
    Oh what rubbish. We don't all live in Manchester or Glasgow.
    Originally posted by kidmugsy
    Neither do I.
    • JoeEngland
    • By JoeEngland 8th Jul 18, 9:07 PM
    • 70 Posts
    • 73 Thanks
    JoeEngland
    Any chance you could go part time - say four days a week, giving yourself a long weekend in which to pursue things you find more interesting than your current job?

    Alternatively, and possibly wishful thinking, have you considered getting a different job - possibly one which isn't quite so well paid but would be tolerable for 3 years rather than just 2, which would also fit with your wife's aspirations not to leap into full retirement?
    Originally posted by Marcon
    Recently I dropped down to 90% of FT and have a day off every fortnight. Unfortunately my fixed term contract finishes at the end of Aug, so I may have to go back to FT when I find a new job either with my current employer or a new one. The organisation I work for is quite good at allowing reduced hours, but most places want you to be FT when working in IT.

    We need to spend more money on the house over the next 12 months and have a few foreign holidays booked, so I need to keep bringing in good money for that. I might reassess what to do once we've got the house stuff finished though.
    • GunJack
    • By GunJack 8th Jul 18, 9:45 PM
    • 10,216 Posts
    • 7,656 Thanks
    GunJack
    Weather is something we'll need to consider in where to move to. TBH the weather is crap most of the time anywhere in the UK, the real summer we're having now is the kind of thing that only happens every 5 or so years. Anglesey appeals to me as it's not densely populated, has some great scenery and the rest of North Wales is close by.
    Originally posted by JoeEngland
    A good choice (guess which neck of the woods I live in ) There are some really great places up here. I would be wary of Anglesey, it's probably too rural for a lot of people. I'd do more than one long weekend there to make sure it'll be viable for you. If you were to stay on the mainland, your Mrs. will have a better chance of continued employment, not only for more jobs than on the island, but also less of a requirement to be bilingual.
    ......Gettin' There, Wherever There is......
    • michaels
    • By michaels 8th Jul 18, 9:50 PM
    • 20,949 Posts
    • 96,955 Thanks
    michaels
    We have a plan to early retire in two years. Hopefully soon after that we'll put the house on the market as we need cash from buying a cheaper property, and I'm looking forward to living somewhere more rural.

    For a few years I've been finding it difficult to stay motivated at work, but it's getting worse now and even two years more feels like a long time. I'm trying to focus on short-term goals such as holidays and getting various jobs on the house done. What is the experience of others in the last few years leading up to retirement, especially those for whom work is a chore rather than a passion?
    Originally posted by JoeEngland
    You could look at it like this - whilst you only have 2 years to get through, I have 7

    I blame this forum - it made me realise that escape was possible at 55 2 years ago and since then I have been counting the days
    Cool heads and compromise
    • JoeEngland
    • By JoeEngland 8th Jul 18, 9:59 PM
    • 70 Posts
    • 73 Thanks
    JoeEngland
    A good choice (guess which neck of the woods I live in ) There are some really great places up here. I would be wary of Anglesey, it's probably too rural for a lot of people. I'd do more than one long weekend there to make sure it'll be viable for you. If you were to stay on the mainland, your Mrs. will have a better chance of continued employment, not only for more jobs than on the island, but also less of a requirement to be bilingual.
    Originally posted by GunJack
    Rural is good for me, but that's a good point about jobs. A few weeks back I had a quick look on a jobs board and there weren't many jobs on Anglesey, but at least the mainland is nearby. Are there any rural areas on the mainland that you'd recommend I look into?
    • atilla
    • By atilla 8th Jul 18, 10:21 PM
    • 839 Posts
    • 710 Thanks
    atilla
    In a similar position myself now.
    12 months ago i went over the funds and figures with the IFA regarding knocking it all on the head from round about now.
    Being busy for the last 6-9 months so that helped buid up a bit of a cushion. Those projects have now finished and i realised i really can't be a***d with work now.
    In that position where i now have to convince myself to knock work on the head.
    Luckily i'm self employed so no employment issues to deal with.
    Due a chat with my accountant for year end books and one with the IFA.

    If they give the nod figures wise, i reckon my days of work will soon be over.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

600Posts Today

6,109Users online

Martin's Twitter
  • RT @samgio1997: So glad you talked about the importance of taking out holiday insurance on this morning as a few years ago my auntie's pare?

  • RT @mmhpi: "Two years ago, I was in the fortunate position to be able to found @mmhpi... I?m incredibly proud of the work the team there is?

  • It means you should either have an annual policy in place, or book a specific single trip policy when you book https://t.co/oBDx8TmzQU

  • Follow Martin