Enjoying Retirement
Discussion
GT3Manthey said:
Well scotland was a welcomed break and we even got lucky with the weather !
Long drive for us and some decent touring around but so much more enjoyable than airport queues and the associated hassles.
Have to say it wasn’t cheap so going forward more planning to reduce costs would be needed but I’m more convinced than ever about seeing more of the UK.
Anyhow , Monday morning on the rattler back into work on the hamster wheel
Ah, holidaying in the UK can cost a little….especially with fuel. We still enjoy camping (good quality sleeping gear and a tent you can stand up in makes a big difference, so that can keep costs down a bit!)Long drive for us and some decent touring around but so much more enjoyable than airport queues and the associated hassles.
Have to say it wasn’t cheap so going forward more planning to reduce costs would be needed but I’m more convinced than ever about seeing more of the UK.
Anyhow , Monday morning on the rattler back into work on the hamster wheel
New hound looked very happy!
On our own ‘rattler’ today….on a train to St Pancras, then Eurostar for 2 months around Europe….a proper adventure, & a beautiful sunny day to start
mikeiow said:
Ah, holidaying in the UK can cost a little….especially with fuel. We still enjoy camping (good quality sleeping gear and a tent you can stand up in makes a big difference, so that can keep costs down a bit!)
New hound looked very happy!
On our own ‘rattler’ today….on a train to St Pancras, then Eurostar for 2 months around Europe….a proper adventure, & a beautiful sunny day to start
Lovely Mike enjoy your adventure and keep us posted. New hound looked very happy!
On our own ‘rattler’ today….on a train to St Pancras, then Eurostar for 2 months around Europe….a proper adventure, & a beautiful sunny day to start
I’m sure with time I can cheapen down the little trips we do and maybe get to use up the airmiles I’ve accumulated over the years
Sounds like a great trip GT3. 
Enjoy yours too Mike; sounds like a bit of an adventure.
We're planning a brief trip into Scotland in May to scatter my late MiL's ashes at the same place as my late FiL was done. Then a return leg via my family in the North East for a few days. I know what you mean about UK holiday prices too since we don't stay at my parent's place these days as I feel it's too much for them (as much as they try to insist we do each time!). It's great to see family and friends in the area though.
Slightly dull head this morning due to post gig drinks: We did our end of term Rock Project performance last night at a club. There was a decent crowd and it seemed to go down well. Corny (and as high!!!) as it is, Smoke on the water was fun to sing and get the audience joining in too. I also made a tit of myself doing the two tone dancing and backing vocals to Gangsters, so we covered a few genres this term.
Now waiting for the last bank to pay in our inheritance so I can distribute it and hope to catch a decent interest rate for some of it. One bit I haven't been able to wing, so I've gone over everything carefully to make sure I do the executor job correctly and also to make the best of this extra sum in a way my Dad would approve of.
Another coffee and an Paracetamol required yet though...
Enjoy yours too Mike; sounds like a bit of an adventure.
We're planning a brief trip into Scotland in May to scatter my late MiL's ashes at the same place as my late FiL was done. Then a return leg via my family in the North East for a few days. I know what you mean about UK holiday prices too since we don't stay at my parent's place these days as I feel it's too much for them (as much as they try to insist we do each time!). It's great to see family and friends in the area though.
Slightly dull head this morning due to post gig drinks: We did our end of term Rock Project performance last night at a club. There was a decent crowd and it seemed to go down well. Corny (and as high!!!) as it is, Smoke on the water was fun to sing and get the audience joining in too. I also made a tit of myself doing the two tone dancing and backing vocals to Gangsters, so we covered a few genres this term.
Now waiting for the last bank to pay in our inheritance so I can distribute it and hope to catch a decent interest rate for some of it. One bit I haven't been able to wing, so I've gone over everything carefully to make sure I do the executor job correctly and also to make the best of this extra sum in a way my Dad would approve of.
Another coffee and an Paracetamol required yet though...
OldSkoolRS said:
Sounds like a great trip GT3.
Enjoy yours too Mike; sounds like a bit of an adventure.
We're planning a brief trip into Scotland in May to scatter my late MiL's ashes at the same place as my late FiL was done. Then a return leg via my family in the North East for a few days. I know what you mean about UK holiday prices too since we don't stay at my parent's place these days as I feel it's too much for them (as much as they try to insist we do each time!). It's great to see family and friends in the area though.
Slightly dull head this morning due to post gig drinks: We did our end of term Rock Project performance last night at a club. There was a decent crowd and it seemed to go down well. Corny (and as high!!!) as it is, Smoke on the water was fun to sing and get the audience joining in too. I also made a tit of myself doing the two tone dancing and backing vocals to Gangsters, so we covered a few genres this term.
Now waiting for the last bank to pay in our inheritance so I can distribute it and hope to catch a decent interest rate for some of it. One bit I haven't been able to wing, so I've gone over everything carefully to make sure I do the executor job correctly and also to make the best of this extra sum in a way my Dad would approve of.
Another coffee and an Paracetamol required yet though...
Sounds like you’ve had a monster weekend mate ! Good on you. Enjoy yours too Mike; sounds like a bit of an adventure.
We're planning a brief trip into Scotland in May to scatter my late MiL's ashes at the same place as my late FiL was done. Then a return leg via my family in the North East for a few days. I know what you mean about UK holiday prices too since we don't stay at my parent's place these days as I feel it's too much for them (as much as they try to insist we do each time!). It's great to see family and friends in the area though.
Slightly dull head this morning due to post gig drinks: We did our end of term Rock Project performance last night at a club. There was a decent crowd and it seemed to go down well. Corny (and as high!!!) as it is, Smoke on the water was fun to sing and get the audience joining in too. I also made a tit of myself doing the two tone dancing and backing vocals to Gangsters, so we covered a few genres this term.
Now waiting for the last bank to pay in our inheritance so I can distribute it and hope to catch a decent interest rate for some of it. One bit I haven't been able to wing, so I've gone over everything carefully to make sure I do the executor job correctly and also to make the best of this extra sum in a way my Dad would approve of.
Another coffee and an Paracetamol required yet though...
Now, Gangsters is a real favourite of mine so I’m all in on that .
In fact I’ve been reliving my youth listening to the specials over this last week .
Real shame at the loss of Terry Hall and only 63 i think .
GT3Manthey said:
Sounds like you’ve had a monster weekend mate ! Good on you.
Now, Gangsters is a real favourite of mine so I’m all in on that .
In fact I’ve been reliving my youth listening to the specials over this last week .
Real shame at the loss of Terry Hall and only 63 i think .
Thanks...it's been a blast.Now, Gangsters is a real favourite of mine so I’m all in on that .
In fact I’ve been reliving my youth listening to the specials over this last week .
Real shame at the loss of Terry Hall and only 63 i think .
We picked Gangsters particularly due to Terry dying around the time we were choosing songs. Specials and Madness were a big part of my musical youth too. Such a shame and they were due to record a new album according to an article I read just after he died.
Sounds like a fun trip GT3 and a good template for future adventures.
One of the advantages of not being tied to an office is the ability to look for last minute deals in the week/weekend. Lots of places offer cheap Sunday nights for some reason.....
Anyway a slow start to Monday, dropped the Rangy off for a service and walked home over the fields in the Sun. Need some time to recover from a couple of days helping the Hero Novice Trial at Bicester - too much fresh air wears me out.
One of the advantages of not being tied to an office is the ability to look for last minute deals in the week/weekend. Lots of places offer cheap Sunday nights for some reason.....
Anyway a slow start to Monday, dropped the Rangy off for a service and walked home over the fields in the Sun. Need some time to recover from a couple of days helping the Hero Novice Trial at Bicester - too much fresh air wears me out.
We have an EA coming to the house this week to discuss listing/pricing so feels like we are very much moving in the right direction.
Some trepidation in that this will be ( if it all falls into place) a big move and not reversible but I guess that’s because I seem to have been planning this for so long now it’s seeming real and not a dream !
I’m now beginning to understand the nerves/emotions of retiring although I can’t help but feel excited about waking up Monday mornings knowing the weeks my own.
Some trepidation in that this will be ( if it all falls into place) a big move and not reversible but I guess that’s because I seem to have been planning this for so long now it’s seeming real and not a dream !
I’m now beginning to understand the nerves/emotions of retiring although I can’t help but feel excited about waking up Monday mornings knowing the weeks my own.
Kickstart said:
GT3 Manthey,
Don't wish to be nosy so feel free to ignore, but you have mentioned 911's a few times so I would love to know which models you have owned and what you think of them as I plan to buy one that I can keep for the long term
That’s a big question :-)Don't wish to be nosy so feel free to ignore, but you have mentioned 911's a few times so I would love to know which models you have owned and what you think of them as I plan to buy one that I can keep for the long term
I’ve owned over 10 and I very much depends on your preference and intended use. Some will only buy the air cooled cars and some want the more modern cars . Also you need to ask yourself if you want manual or auto/PDK.
I’ve had just about everything from a 930 turbo to GT cars to regular convertibles.
I say right now as a car for keeps and if like me you are of a certain age I’d look at a 991 model 911 with PDK.
GT3Manthey said:
We have an EA coming to the house this week to discuss listing/pricing so feels like we are very much moving in the right direction.
Some trepidation in that this will be ( if it all falls into place) a big move and not reversible but I guess that’s because I seem to have been planning this for so long now it’s seeming real and not a dream !
I’m now beginning to understand the nerves/emotions of retiring although I can’t help but feel excited about waking up Monday mornings knowing the weeks my own.
Don't worry, its all gravy once you have retired I can assure you! I spent 34yrs trudging through the endless rat race and gave it all up on 31st Dec 2020, so 28months ago for early retirement at the age of 52! Some trepidation in that this will be ( if it all falls into place) a big move and not reversible but I guess that’s because I seem to have been planning this for so long now it’s seeming real and not a dream !
I’m now beginning to understand the nerves/emotions of retiring although I can’t help but feel excited about waking up Monday mornings knowing the weeks my own.
I had spent the prior 12years pumping the most I could into my pension, aiming for an early retirement, tracking my pension funds DAILY into a spreadsheet - yes every single day, that's how focussed I was on it! lol I had originally planned to go at 55, but the pandemic made we review my whole outlook on life, big time!
Sure, working through the last 6months of serving my notice at work did feel a little odd, especially given how long I had been there, but the final day came, a bit sad to say goodbye to people, but after that I can honestly say there hasn't been one single day when I have regretted the decision! I do miss some of the people and the daily office banter, but that's it
The stress and sleepless nights related to the endless deadlines and corporate objectives are all gone, as is the stress related Alopecia I was increasingly suffering from over recent years, and I now only focus on the good things in life that I enjoy.
Just do it... Honestly its life changing. If anything I probably wish I'd given up a couple of years earlier now.
AdamV12V said:
Don't worry, its all gravy once you have retired I can assure you! I spent 34yrs trudging through the endless rat race and gave it all up on 31st Dec 2020, so 28months ago for early retirement at the age of 52!
I had spent the prior 12years pumping the most I could into my pension, aiming for an early retirement, tracking my pension funds DAILY into a spreadsheet - yes every single day, that's how focussed I was on it! lol I had originally planned to go at 55, but the pandemic made we review my whole outlook on life, big time!
Sure, working through the last 6months of serving my notice at work did feel a little odd, especially given how long I had been there, but the final day came, a bit sad to say goodbye to people, but after that I can honestly say there hasn't been one single day when I have regretted the decision! I do miss some of the people and the daily office banter, but that's it
The stress and sleepless nights related to the endless deadlines and corporate objectives are all gone, as is the stress related Alopecia I was increasingly suffering from over recent years, and I now only focus on the good things in life that I enjoy.
Just do it... Honestly its life changing. If anything I probably wish I'd given up a couple of years earlier now.
Tks Adam very reassuring and I’m glad it’s all worked out well for you. I had spent the prior 12years pumping the most I could into my pension, aiming for an early retirement, tracking my pension funds DAILY into a spreadsheet - yes every single day, that's how focussed I was on it! lol I had originally planned to go at 55, but the pandemic made we review my whole outlook on life, big time!
Sure, working through the last 6months of serving my notice at work did feel a little odd, especially given how long I had been there, but the final day came, a bit sad to say goodbye to people, but after that I can honestly say there hasn't been one single day when I have regretted the decision! I do miss some of the people and the daily office banter, but that's it
The stress and sleepless nights related to the endless deadlines and corporate objectives are all gone, as is the stress related Alopecia I was increasingly suffering from over recent years, and I now only focus on the good things in life that I enjoy.
Just do it... Honestly its life changing. If anything I probably wish I'd given up a couple of years earlier now.
May I ask how you’ve found things financially speaking . IE have you spent more or less than you’d budgeted for ?
The financial side is the most worrying part knowing there isn’t the monthly wage/bonus to always fall back on .
I guess that’s all part of the conditioning
Edited by GT3Manthey on Monday 27th March 11:48
GT3Manthey said:
Gary C said:
My pension would increase by RPI every year and as there is no pot to deplete, it doesn't matter. However there is a cap on increases but cant remember what it is though I suspect its 10%
My mothers DB pension has an increase of 5% annually so best to check For me its a 10% cap though its applied at Company discretion (and there are less of us each year !)
This is on the old nationalised company DB pension. The new ones are 5% and even 2.5% which is quite shocking given that 'natural' long term (ie over the last 100 years) inflation runs at about 3% to 4% so many will see their pensions decrease even in normal times.
Looking at it, the difference in my pension retiring next feb at 57 against when I wanted to go at 58 is 0.04% so here I come
Gary C said:
as you say, worth a check.
For me its a 10% cap though its applied at Company discretion (and there are less of us each year !)
This is on the old nationalised company DB pension. The new ones are 5% and even 2.5% which is quite shocking given that 'natural' long term (ie over the last 100 years) inflation runs at about 3% to 4% so many will see their pensions decrease even in normal times.
Looking at it, the difference in my pension retiring next feb at 57 against when I wanted to go at 58 is 0.04% so here I come
You clearly have a very good pension and worry free with increases with inflation. For me its a 10% cap though its applied at Company discretion (and there are less of us each year !)
This is on the old nationalised company DB pension. The new ones are 5% and even 2.5% which is quite shocking given that 'natural' long term (ie over the last 100 years) inflation runs at about 3% to 4% so many will see their pensions decrease even in normal times.
Looking at it, the difference in my pension retiring next feb at 57 against when I wanted to go at 58 is 0.04% so here I come
Good for you
GT3Manthey said:
We have an EA coming to the house this week to discuss listing/pricing so feels like we are very much moving in the right direction.
Some trepidation in that this will be ( if it all falls into place) a big move and not reversible but I guess that’s because I seem to have been planning this for so long now it’s seeming real and not a dream !
I’m now beginning to understand the nerves/emotions of retiring although I can’t help but feel excited about waking up Monday mornings knowing the weeks my own.
Getting my first pension payment on 11th april. Secind 1st maySome trepidation in that this will be ( if it all falls into place) a big move and not reversible but I guess that’s because I seem to have been planning this for so long now it’s seeming real and not a dream !
I’m now beginning to understand the nerves/emotions of retiring although I can’t help but feel excited about waking up Monday mornings knowing the weeks my own.
Feels like free money
Have 3 more next april then the state one the april after that.
s
ts getting real....I budgeted 2100 a month for living expenses and so far have underspent by 500 ish... Just put that back in the savings account.
Downsizing was our first step and released so much equity twas unreal.
Best part of living in London is selling up and leaving....
GT3Manthey said:
We have an EA coming to the house this week to discuss listing/pricing so feels like we are very much moving in the right direction.
Some trepidation in that this will be ( if it all falls into place) a big move and not reversible but I guess that’s because I seem to have been planning this for so long now it’s seeming real and not a dream !
I’m now beginning to understand the nerves/emotions of retiring although I can’t help but feel excited about waking up Monday mornings knowing the weeks my own.
Retiring in itself is a big move - big,big ,huge with apologies to Pretty Woman - but in a way you’ve already done the hard bit by deciding to move etc. Some trepidation in that this will be ( if it all falls into place) a big move and not reversible but I guess that’s because I seem to have been planning this for so long now it’s seeming real and not a dream !
I’m now beginning to understand the nerves/emotions of retiring although I can’t help but feel excited about waking up Monday mornings knowing the weeks my own.
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