Financially Independent, Retired Early(ish) at 57.

Month: February 2019 (Page 2 of 2)

The Freedom Ring.

(This post was prompted by J. Money at Budgets are Sexy He posted a tweet about an ad he saw that said something like “No outfit is complete without a diamond!” I tweeted back and said, “Every outfit I wear has a diamond with it! My engagement ring. Except I wear mine on my right hand. I call it my Freedom Ring.” He said I should blog about it, so here it is.)

Some might say that wearing a diamond ring from a defunct relationship is the very essence of frugality. Why buy yourself jewellery if you already have something lying around? Now, I’ve been known to be reluctant to spend money if I don’t need to, but the Freedom ring has a bit more behind it than just wanting to save a few bucks on bling.

Way back in 1985, my boyfriend popped the question and I accepted. It wasn’t exactly a surprise, as we’d been living together for around 18 months. We were in the city having lunch, then after we finished we went straight to where my cousin worked.

He’s a diamond-setter.

I wanted an emerald ring… not your usual wishy-washy faded green emerald but one that was a deep, brilliant green. My cousin John showed us all the emeralds he had in his office, then when none matched up he left us there to go downstairs to borrow some from another jeweller who might have the colour of emerald I wanted.

While he was gone, A said, “Frogdancer, I don’t want to buy an emerald. I want to get you a diamond. A big diamond. That’s what I’ve had in my head.”

I really wanted the emerald – after all, the emerald was what I’d had in my head! – but I thought, hey, A is paying for it so I should really get what he wants. I know, I know… I was going to be the one wearing it, but I was young and stupid back then.

Anyway, it doesn’t matter. See this photo? This is taken in England, with my hand touching the actual table where Jane Austen wrote her novels. See the ring? It’s an emerald that I bought for myself when I took the kids to Thailand. Dreams DO come true!

But I digress.

When John came back into the room, carrying a box full of emeralds, we said we’d changed our minds. He laughed and said that this happens more often than not.

He put the emeralds down and asked A how much he was willing to spend.

“Five thousand dollars,” he replied.

I nearly fell off my chair. Back in 1985 that was a LOT of money.

In fact, I just googled what it would be worth today and I nearly fell off my chair again. The equivalent amount in today’s dollars is FOURTEEN THOUSAND SIX HUNDRED DOLLARS.

I gaped at him. I thought he was mad. But I certainly wasn’t going to say no.

John nodded, got up and came back with diamonds. This is the ring we designed:

Everyone called it “The Rock.” I can’t remember just how big it was, but it’s just over 1 carat and it’s of very good quality. The wedding ring was designed to fit under it. It’s gold because he wanted gold – everything else I wear is silver – really, I should have realised back then that this relationship wasn’t destined to work!

We got married in 1987, had our 4 children from 1992-1996 and I left him a year later in 1997.

During the ‘discussion’ in front of the registrar from the Family Court when we were doing our financial settlement, A asked for many things. He wanted the furniture, the car and more of a share to the house than he was entitled to. The registrar was getting increasingly disgusted with him, considering we had 4 small boys to consider. Finally, A asked for the engagement ring to be returned.

The registrar turned to me, rolled his eyes and said, “And how do you feel about that, Mrs Married-Name?”

“After 4 kids and 10 years of marriage, I feel I’ve earned it!” I said.

For a few years the ring languished in the bottom of my jewellery box. I didn’t want to wear it. Then, one day, I took it out and put it on my right hand. There it stayed for a few months, until one day, when I was at work, I glanced down and saw, to my horror, that the claws of the ring were empty.

The diamond was gone.

I searched, but I had no idea when it had gone missing and you can’t search an entire school to look for a pebble. I was upset, but what can you do? I put the useless ring in my jewellery box and went on with my life.

Two years later, Evan came out of his room, holding something in the palm of his hand. He would’ve been around 9 or 10, I suppose.

“Mum, I found this in the corner of my sock drawer. What is it?”

I gasped as I looked at what appeared to be a weirdly-shaped stone. Could it be? I turned it over and it gleamed.

Talk about Fortunate Frogdancer!

After John put the ring back together again – “I was so sorry when you lost this diamond. It’s a beautiful stone” – I put it back into the jewellery box. A and I were having child support ‘discussions’ and I didn’t need the reminder of him.

And there it stayed until around this time last year.

I sit near a group of women in our staffroom who are in their late twenties/early thirties. They’re all in that stage of life where they’re getting engaged/married/buying houses/having babies. We were talking engagement rings and I was describing mine. Alice said, “Why don’t you bring it in? I’d love to see it.”

That night, I opened my jewellery box and sifted through the contents until I found the box. I opened it and the diamond shone. I looked at it and remembered so many things. My wedding, the babies, the good times as well as the bad.

I smiled as I slipped it onto my ring finger. The ring finger on my RIGHT hand.

The ring has been there ever since. The girl that it was designed for has long gone and the woman I am now has taken her place.

On the surface, it’s still a beautiful piece of jewellery and I take pleasure in looking at it. It’s simple and elegant, (both qualities that I aspire to be one day) and it goes with everything.

On a deeper level, every now and then I glance at the ring and I think of that girl in my cousin’s office, excited at the new life in front of her and having no idea how it was all going to pan out. She made so many mistakes, deferring her own judgement so many times – but I suppose without all of those mis-steps and blunders my life wouldn’t look the way it does today.

I have a nickname for the ring on my right hand. I call it “The Freedom Ring.” It’s a symbol of how you sometimes begin a journey and end up in an entirely different destination to where you thought you were going to be.

And sometimes where you end up is wonderful.

Doing the Ironing.

Some of you may remember the post I did early in the summer holidays, where I went mad buying clothes, after not having bought many in the last 5 years.

And it’s been great! I’ve had a week of swishing through the front door of the school, people complimenting me, kids also saying nice things about my level of style, sophistication and downright beauty… I’ve been having a ball. But there’s just one problem with all of these new clothes.

Linen looks much better when it’s ironed.

Now, I’m not stupid. I knew this up-front. As I was standing in the fitting room at David Jones with roughly 4,000 different items of clothing I’d dragged in to try on, I looked at myself in the mirror and said, “Frogdancer Jones – if you buy any of these clothes you have to start ironing again.”

*sigh* I bought about 2,000 different things. Around 120% of them are linen. Or at least that’s how it feels right at this moment.

When we moved to The Best House in Melbourne nearly 3 years ago, I threw out the ironing board cover. I’d say that it “didn’t spark joy” but that was long before anyone heard of that expression. Ever since then, if I ever needed to iron anything I’d put a towel on the bench in the laundry. David25, clearly not a fan of this work-around, bought his own ironing board for his work clothes and just before going back to work, I borrowed it to start the year off right.

The next day he did a Bunnings run to get a few things that he needed and he came home with an ironing board for me in my favourite colour. I was touched – and also resigned to my fate. There was no excuse now!

I set everything up in the lounge room. It was stinking hot outside and the cooling was on. Poppy, who is my keen ‘halper’ with everything, was a bit bewildered by this new item of furniture.

Close up shot. I think she’d prefer it to be IN the kitchen rather than near it, so she can have a sporting chance of getting something to eat.

I looked at my watch. It was nearly 4:40PM on a Sunday afternoon – twenty minutes away from Wine O’clock. I could do this.

The bottom things are the Christmas tablecloths. They can wait. I grabbed the first item of clothing – some Bali pants Mum and Dad brought back for me the last time they were there – and I set off.

Of course, I had a podcast on. This was a really good episode by Millionaires Unveiled, where they were talking with the guy from ‘Stacking Benjamins.’ You could do worse than listen to an interview they did a few months ago with a single mother from Australia called Frogdancer Jones… just saying.


I didn’t escape unscathed. Stupid iron. You’d think someone would invent an iron which would move out of the way.

By the time I finished, the podcast was over, my arm was sore and Poppy had given up on me completely.

But Scout was watching. She had a ball ready and waiting for me to throw.

So what’s the financial takeaway from this post? Seeing as this is a FIRE blog and all. Maybe… when you practice delayed gratification to reach your financial goals and then you finally get there – it makes sense to look after what you reward yourself with.

Or maybe I felt that I’ve written quite a few serious posts and it was time to mix it up a bit.

Stay safe out there! Be careful of hot irons!

Full Circle.

Something happened on the second-last week of the holidays and I’ve been thinking about it ever since.

I was walking the dogs around the block. It was mid-morning and for some reason we had left it too late to go to the dog beach. We rounded the corner near the primary school and there was a woman sitting at the bus stop, talking on her mobile.

“Yeah, I’m on my way home,” she said as we passed. “I was volunteering but it’s finished now.”

I glanced at my watch, thinking, ‘It’s only 10 o’clock. How could a job be finishing up now?’ I shrugged and then kept walking. The sun was shining and the dogs’ tails were wagging. It was all good.

As we walked further up the street, an elderly lady and her son were walking towards us, pushing a trolley loaded up with boxes of fruit and vegetables. I could see that they were commenting about the dogs, so as we got closer I smiled and we stopped to exchange a few words. Her son looked to be in his forties and he had Downs Syndrome. He was torn between being taken with the dogs and worried that they might bite. His mother, who was clearly his carer, reassured him and we talked briefly about the dogs, then we moved on again.

As we kept going, there were another couple of people walking towards us, also loaded up with bags of what looked like shopping. I thought nothing of it and kept going up to the corner, where the church is.

As we got closer I could see people coming in and out of the church hall. They were wheeling shopping trolleys in and carrying boxes full of food out. It was a hive of activity in there.

This was on a Thursday morning, when I’m usually at work.

A woman and her husband were coming along the path towards us, so I pulled the dogs in beside me to let them pass. The woman stopped and after the usual compliments about the dogs, said, “Do you know what’s going on in there?”

When I shook my head, she said, “They’re giving away free food!”

I glanced towards the church. “Really?”

“Yes. It’s so wonderful. My son is starting year 7 this year so we’ve been buying books and uniform and paying the school fees… it’s so expensive. I was worrying about how we were going to pay for everything, but look at all this!”

She gestured to the boxes of produce that her husband was carrying.

“This takes all the pressure off. And guess what’s in this?”

She patted the tartan shopping trolley that she was pushing.

“It’s FULL of lunch box snacks! Like LCMs and Uncle Toby’s. I won’t have to worry about school lunches for ages! You should go in and have a look.”

I laughed and looked at the dogs. “I don’t think they’d like it too much if I brought the dogs in with me!”

She urged me to go in again, then she found out I was a teacher and we talked about starting secondary school She was nice enough to thank me for being a teacher, which (to be frank) is a bit of a novelty. Most people whinge about the holidays we get, especially at this time of the year!

As we headed towards home, I could see quite a few people heading for the church, shopping trolleys and bags in hand. If I hadn’t have talked with the woman outside the church, I would never have noticed them.

I didn’t go into the church to grab some free food, because it wasn’t put there for people like me. I have a full-time job, my kids are grown and I’m financially secure. But my head was spinning.

Because you see, it wasn’t so long ago that it would have been for me.

Back when I was at home with my 4 small boys, money was tight. I was watching every penny like a hawk and it was definitely on the cards that if something went wrong financially, I could lose the house and the kids and they would lose that security. It was incredibly stressful.

Then, one day my Aunty Doris asked if I’d be interested in getting free bread every week. Her brother-in-law was a member of a church that sent people to pick up everything that wasn’t sold at a gourmet bakery in East Brighton and then deliver it to people who needed it. The Tuesday night woman couldn’t do it any more and he thought of the boys and me. I couldn’t believe my luck!

We went to that bakery every Tuesday night for the next 14 years. We’d drive into the laneway at the back of the shop, armed with 3 or 4 empty laundry baskets and lots of plastic bags. It wasn’t just bread – there were cakes and buns, pies and pasties… it was a lucky dip every week.

The boys ate a LOT of bread growing up. Every Tuesday night was pie night. We’d eat whatever hot food was there. We grew very tired of pies and pasties but I insisted we keep the tradition going. That was a night where feeding the 5 of us didn’t cost me a cent!

It was a crazy thought that we were so poor, yet we were eating the same bread as the “rich” people in East Brighton. Some of it was your ordinary white loaves, but mixed among that was the BEST rye bread and gourmet wholemeal seedy loaves that I’ve ever eaten. Nothing better than a chewy crust of rye bread with lashings of butter. Now that I’m writing about it, I really miss that rye bread…

After a few years we bought chickens. Every Wednesday was bread day for the chooks, which saved me a day’s worth of pellets. The neighbourhood birds soon got to know our backyard – it wasn’t an unusual sight to see a raven flying away with a Boston bun in its beak and sparrows snatching dinner rolls and squabbling over them.

Every week, I’d pack the leftovers from the bakery into different laundry baskets, depending on who was going to get the contents. At first, when I was home with the kids, there was our basket, Mum’s basket, and then various friends who’d put their hands up for free bread. Later on, the chook basket, for the food that wasn’t as pristine. Then, when I went back to work, there was the school basket. Every Wednesday morning I’d walk from the car to the common room, basket loaded up with loaves of bread and all the cakes and buns. People loved that they had a free morning tea every week and that they could take home some bread to use for toast.

When I bought The Best House in Melbourne and moved 50 minutes away, I knew the bread run had to come to an end. I tried it once and the trip home at peak hour along Nepean Highway was awful. I didn’t get home until 6:30. There was no way I was going to make my Tuesdays that long and I knew that times had changed. Although I was paying over 70% of my takehome pay in bridging finance, I knew that we’d be able to survive without it. It was time to pass the baton to someone else.

I walked away from my conversation with the couple outside the church and my eyes widened as I started to recognise how far the boys and I have come. She was once me, with all these bills to pay and barely enough money to keep things going. Once, there is no way I would have walked away from that free food! I would have tied the dogs up on the fence outside and dived in, desperate to save some money so I could put it towards uniforms, bills or servicing the car.

Instead, the dogs and I quietly walked home, seeing the other people clearly making their way towards the church hall. Some were young mothers pushing prams, some were older people and some looked like they’d clearly had a hard life.

I opened the gate to The Best House in Melbourne and brought the dogs inside and bent down to take off their leads. I stood up and looked at my beautiful, fully-paid-for house and I sighed a deep sigh of thankfulness that things have ended up as they have.

I kept my head together and didn’t waste anything while we were struggling, whether it be free bread, donated kids’ clothes or my teaching degree. We were very fortunate to have had help along the way, such as the bakery run and we didn’t squander it. I will be eternally grateful for the impulse that led that man to offer the Tuesday night run to the boys and me. It was a huge help when we were struggling and it also taught the boys about spreading our good fortune by sharing with others.

But the thing I’m now most grateful for? When I looked at that excited woman who urged me to go on and get some of this miraculous bounty for myself and I felt nothing but a calm certainty that this generosity was not for me. I can safely leave it on the table for others to use.

I’m not used to the feeling of financial security. It’s lovely.

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