Financial-Independence-Retire-Early(er). Achieved the first two letters of FIRE, now onto the rest!

Category: Enjoying life right now. (Page 2 of 5)

How my Emergency Fund proved its worth against the virus. Twice.

Scout, feeling safe and secure in the knowledge that we have a sturdy emergency fund behind us. It means everything to a dog.

I’ve had an emergency fund for the last 2 decades. When I left my husband 22 years ago with $60 cash in my hand and with 4 boys under 5 to support, the first thing I set myself to achieving was building a $1,000 ‘buffer zone’ (as I called it then) to provide some security for the boys and me. I’ve written about how an emergency fund is a very good thing to have but is this still the case?

It’s been interesting to see how having that stash of cash has made life so much easier in this pandemic.

When, in December 2019 and January 2020, news started coming out from China, then Italy about this weirdo new virus, my spidey senses started tingling. I’m a bit of a germophobe at the best of times, so the thought of having to deal with a possible pandemic wasn’t a great feeling. Add to that my job as a teacher, being surrounded by germ-ridden teenagers all generously sharing their viruses with everyone around them – it meant that I was paying attention to what was going on.

Over January and February, I didn’t use my Emergency Fund at all. I quietly topped up on staples and non-perishables as part of my normal shops. By the beginning of March I was looking to be in good shape. I took a little holiday and enjoyed myself. Then, a week or so later was when the proverbial hit the fan. You remember – when people started panic buying toilet paper, flour and tissues.

The middle of March was the first time I deployed my Emergency Fund. The last time I tapped it was the beginning of 2019 when Tom28 needed a loan to repair his car. He paid it back within 2 months and then the emergency fund just sat there, biding its time.

Sourdough, baked with flour bought in The Great Costco Shop of March 17.

Remember when I wrote about going to Costco the day after our state Premier announced a state of emergency? As David26 and I rounded the corner after parking our car and saw the 1,000+ people ahead of us in the queue, I decided that if we were going to brave this, we were going to make it worth while.

In the back of my head were all my fears about the ‘just in time’ policy that our supermarkets have. For years I’ve been telling the boys that you don’t want to be out panic-buying supplies when everyone else is fighting for them too. Far safer to be at home while everyone else is wild-eyed and desperate. That trip to Costco was illuminating. Turns out I was correct.

We were only there in the first place because David25 wanted to bring some supplies to his girlfriend’s family. Ok, fair enough, but I was damned if I was going to race around behind one of those huge Costco trolleys, dodging hundreds of last-minute panic buyers just to buy things for other people! If I was going to be doing this crazy thing, I was going to top up our own supplies as well.

So we bought bulk bags of plain flour, bulk dry pasta, another big bag of grain-free dog food, oil, eggs, coffee, cleaning supplies… between what we bought for Izzy’s family and ours we loaded up the trolley.

On the way home we passed Dan Murphy’s. Seeing as we were already stocking up and it was definitely a ‘Spend Day,’ (more on that later), we turned in. There were only about 6 other people in the whole place. We were definitely ahead of the trend in buying alcohol! We bought heaps of wine, ( I don’t want to do without my shiraz in the evenings!) and I shouted David26 and Ryan25 some vodka, beer and spiced rum.

Earlier that day, at 8AM, I’d been to Bunnings, buying fence paint and potting mix. I’d thought ahead and realised that I’d need to occupy myself in the lockdown I was sure was going to come.

All up on that day we spent around 2K.

That’s when I deployed the Emergency Fund. I pulled 2K out from it and put it straight onto my credit card. I didn’t have to go into debt to shore up our defences – we had the cash. After all, if a pandemic isn’t classed as an emergency, I don’t know what is!!!

But then came something else…

A week after we went into iso, my oven broke down. Great timing, hey? It had come with the house, was cheap and nasty and was always something that I was going to get replaced, but I wasn’t planning on doing it any time soon.

Now this WAS an emergency. I’d just begun a sourdough starter – I needed an oven to cook in!

This was where the Emergency Fund proved its worth yet again. If I had no money set aside and had to buy something on my credit card, I know full well I would have probably bought another cheap and nasty oven – anything to get food hot and ready for dinner. I’d want to limit what I put on the card, so it would have been the cheapest I could buy. This would mean that a couple of years down the track I’d be in the exact same position that I was now – hating the oven and wanting to buy a new one.

But now? I knew that I wanted a German-built self-cleaning oven. Something sturdy and of good quality that would last for years. These ovens don’t come cheap.

I’m of the mindset that I’d rather do something right and only have to do it once, rather than trying to cheaply do things and end up having the same problem over and over. The Emergency Fund meant that I had the money there to get the job done right – first time. Sure, I was a bit annoyed at having to spend the money right now – this was a job that I would have been happy to palm off to some future time – but having the Emergency Fund meant that I could take care of it properly.

(On an aside – you should have seen the guys who came to deliver and install it a week later. They were gloved and masked – it almost looked like they were going to rob the place!!)

So the oven, plus installation, cost nearly $1,800. That’s nearly 4K to come out of that account in a couple of weeks. So how does running the Emergency Fund look like after this?

Easy.

As soon as you tap the Emergency Fund, the iron-clad rule is that you devote the next however-many-pay-packets-long to building it up again. You want to get it back to its original level as soon as you can, ready for the next unexpected event.

Sure, the timing’s been a little annoying. With that dip in the share market, I would have loved to be buying cheapish shares with my surplus money like a lot of FI/RE people have been saying that they’ve been doing, but in the Jones household financial security comes first. This means that a strong Emergency Fund is the top priority.

My next pay is on Wednesday. I have $500 to go to get my Emergency Fund back to its pre Covid-19 level. How have I done it so quickly?

Haha! My secret weapon – my ‘No Spend Days’ chart. It’s all about turning buying things and spending money from a mindless activity to an INTENTIONAL one.

I posted about how it works HERE. It’s worth reading if you think that this might be something that will help you have fun tracking your spending. It really works for me.

Basically, every day that I don’t spend anything, I get to colour in a square. if I have 3 or less days a week where I’ve spent money, I get to colour in a silver square at the end of the week.

The idea isn’t that I never spend any money at all – that’s obviously unsustainable. But what it does is to force me to consciously consider WHEN and WHAT I spend my money on. It turns spending from a constant dribble out of my wallet to a truly deliberate decision.

Now have a look at the screenshot I took from my chart. It’s showing March and April. April is orange – March is yellow.

It’s amazing how, if you don’t need anything, how your spending can go down!

From the 7th of March, I was away on my little holiday at Bowral. You can see there’s a spend of $260 on a helicopter ride – that’s not a usual item in my budget! I arrived home the following Tuesday, had a ‘no spend’ day after that where I just chilled at home… but then I swung into gear mopping up the last of the Covid-19 lockdown preparations.

On the 14th March you can see my ‘panic-buy’ at Spotlight, where I bought $174 worth of quilting supplies. A few days after that, on March 17, was the hideous Costco shop, along with the Bunnings and Dan Murphy buys. I deliberately grouped them all together, knowing that they’d be substantial. Geographically, they were close together too – saving on petrol. Why not? 🙂

The rest of March, the shopping was just for little incidentals to pick up tiny things I may have missed. An example is the $10 yeast on the 25th March.

But look at what happens once April starts:

Well ok, buying the oven on the first day of the month was annoying, as well as having to take a sick dog to the vet. But after that, the spending has plummeted. Why do I need to spend money once everything I need has been taken care of?

Some people I see on Twitter and Facebook are preening themselves on their cleverness in using online shopping to buy food and anything else they want, saying that they’re taking themselves out of the line of infection. But that doesn’t sit right with me – I think that by doing that, you’re putting other people INTO the line of infection by having to get your order to you. I know people need the work, but for me? I’d rather know that I’ve looked after ourselves and we’re not asking other people to risk their health just so we can bunker down and feel safe.

I’m lucky in that I still have a wage coming in. Most of that wage has so far been replenishing the Emergency Fund. But this is something that anyone can do whether they have a job or not – I know because I did it myself when I was absolutely broke and living on the Sole Parents Pension.

It doesn’t matter if you can afford to tip a thousand, a hundred or ten dollars a pay into building your emergency Fund back up – IF YOU KEEP ON DOING IT EVERY PAY, IT WILL GET THERE EVENTUALLY. You just have to keep the long view in mind and know that it will happen and you’ll be all the more secure for it.

As for our long streak of not spending any money, this will end tomorrow. With all of the delicious sourdough I’ve been making – (RECIPE HERE, thanks to latestarterfire’s recommendation), we’re down to our last stick of butter.

I’ll be whisking myself off to Aldi to buy butter, top up our fresh produce (though the garden has been a godsend in keeping us away from the shops – (another security measure I should maybe write about??) and to buy some chicken chips. I still have some chocolate, but nothing beats the salty crunch of potato chips/crisps when I’m watching ‘Survivor’.

In a few days my Emergency fund will be back to normal and I can relax, knowing that when – not if – the next unexpected thing hits us, the one thing we won’t have to worry about is money.

And that’s a precious thing.

What’s teaching from home in a lockdown really like?

Scout. She’s been waiting for a lockdown all her life.

I sighed, rolled over and picked up the ancient laptop that was charging beside the bed. I opened it, came to the FI/RE blog and started typing. It was good, I suppose, that for the first time in over 3 weeks I felt like writing on the blog. But why did it have to be at 1:17 AM?

Teaching from home has been going on for 2 weeks. It’s hectic, but also rewarding when you see how the kids have risen to the challenge and are producing some excellent work. It makes me laugh when I hear the media or many parents on Facebook or Twitter whinge about having to “homeschool” their children. They’re NOT homeschooling! Homeschooling is when the parent selects the curriculum, organises each lesson, supervises the work, marks the work and is basically responsible for everything. Here? ‘All’ they have to do is get their child/ren to sit down, open their laptop and do the work that their teachers have assigned them. Too easy!

Or is it? Readers attuned to punctuation would have noticed that I wrote ‘all’ they have to do. Some parents are discovering that their child isn’t the perfect, angelic student they thought they were. Some kids are difficult to keep on task. I call them my “bright, shiny object” kids or my “wriggly puppies.” These are the kids who, when I see they’ve submitted work onto the Google Classroom, I smile, knowing that their parents must have been standing over them every step of the way, battling with them to finish the assignment and turn it in.

I finished a quilt! This is for my sister-in-law Jen. It’s called The Outlander quilt.

So what does teaching from home actually look like?

First off, let me set the scene. Here in Victoria during our stage 3 lockdown, schools are technically still open, but only for the children of essential workers and for those kids who are considered ‘at risk’, (where school is their safe place away from home – the welfare team know who they are and are keeping tabs on them). Every other child is expected to learn from home. My friend who is a primary teacher heard one parent turn up on the first day of school attempting to drop her son off because “I’m an essential worker.” She’s a florist! She left, taking her son with her.

I teach 2 year 7 English classes and a year 9 Drama class at a very large secondary school in a leafy, comfortably middle-class suburb in Melbourne. We are a public school, but one that is highly sought after by parents who want excellent academic results but would rather put their money into buying a house in the school zone instead of paying exorbitant private school fees. (Can’t complain about that – it’s what I did myself, after all!) We’re one of the state government’s flagships for public education.

So around a decade ago, we began to accidentally position ourselves really well for this lockdown. We are heavily technology-based, with every student issued with their own chromebook, every classroom has an interactive whiteboard, and even the most technologically-challenged teachers (that’d be me) are used to using on-line platforms and methods of teaching.

So the actual nuts and bolts of online teaching isn’t really a huge problem. For example, anything I don’t know how to do, I can jump online and send an email to the other 12 teachers in the year 7 English team. Someone always comes back with a solution. If I, or a student, have a problem with anything computer-based, we have the school’s IT team available at the end of a phone call or email.

I love those guys! Technology and I have an uneasy, wary relationship.

The back of Jen’s quilt. She burst out laughing when she saw it – she loves a bit of Jamie Fraser! (Don’t we all?)

The real learning curve has been adapting the curriculum to online learning. A huge amount of work has been put in by every teacher at the end of last term and over the holidays. We’ve been adapting all of our lessons and assessments so that they can be delivered easily and clearly to the kids, as well as working out the best ways that they can submit each task for us to look at.

Some subjects are easier than others. English, for example, is easier than Drama or Music. But even English has it’s challenges. The first task in the year 7 curriculum for term 2 was a wide reading oral presentation. In normal times, the kids design a slideshow or powerpoint, then stand up in front of the class and deliver a speech, telling us all about a book they’ve read.

Easy enough to organise when they’re all in class. But how do they deliver this when they’re in iso?

My oven broke down two days into iso. I had to have tradies in the house, all gloved and masked, to install a new one. It looked like they were robbing the place!

Turns out that there’s a program called Screencastify where they can deliver their speech on screen while having their slideshow scroll by behind them, just as they would in class. The kids were given the first week of term to get their speeches written, their slideshows put together and to film themselves delivering their speech with their slideshow. Tuesday this week was the big day when they had to submit their work.

This all sounds good, right? Ha! Tuesday’s supposed to be my day off. I was working flat-out from 8 – 6. I didn’t have time to take a shower and get out of my pjs until lunchtime.

The emails! I’ve never had so many!

The work not filmed properly!

The work being submitted to me via email (where I can’t open it) rather than the Classroom! Seemed like hundreds of them…

My best sourdough yet! My new oven arrived just in time to start using my starter.

I have 56 year 7 kids. Twelve and thirteen year olds aren’t renowned for attentive listening at the best of times, but I was astounded at how many of them clearly failed to read the instructions given to them in emails, on the Google Classroom and in their daily lesson plans. So much time wasted in redirecting kids back to the videos I’d posted, showing them how to download Screencastify and showing them step by step how to submit their work properly.

Some kids did it perfectly first time, (the angels!), others needed a nudge in the right direction, (those adorable doofuses!) while others needed So Many Emails directing them to actually read what I’d sent them…(I probably shouldn’t say what I was calling this group of kids by the end of the day after the 600th email!) This is all stuff that when, if you’re in a classroom side by side with them, can be fixed with a 30-second talk. Communicating via email is a different beast.

We got there in the end. I only have 2 kids that I’m chasing up – everyone else has done it. Because I was online the entire day on Tuesday, I ended up marking the orals as they came in, so the kids got their marks on the same day. I even received an appreciative email from one of the parents. That made my day! Usually, when we hear from parents it’s not a good thing…

I thought I’d dress up for a Zoom meeting one morning with some friends. Everyone else was wearing make-up and had done their hair, so I did the same. Well, sort of. Never let vanity get in the way of a good laugh!

Meanwhile, in the first week of term, I was dealing with how to teach Drama online. Obviously we are going to have to use videos to assess any performance tasks, so I decided that for the first two weeks I’d set them a little video task and get them used to the process of filming, then submitting it to the Google Classroom for me to look at. They’d learn how to do it before the work they were handing in was work that would go on their reports.

The work I set for the first week of term was to get them to film themselves telling a 1-minute story – using only their hands. They were given this on the Wednesday and they had until Friday to get it done and uploaded onto the Classroom.

After a flurry of emails asking various questions, the videos started to arrive. A few of them were very basic, but most were superb! It was clear that the kids were itching to sink their teeth into something after 2 weeks of school holidays in lockdown.

Poppy an hour after she ate most of my sourdough that was rising, getting ready to bake. This was 30 minutes before the noxious farting began.

The stories that the kids chose to explore ranged from:

*a pair of hands representing someone drowning. (She had a glass of water off-camera and was gurgling into it as her hands slowly subsided.)

*two ‘people’ making a trade for a bike. This vid had subtitles to help tell the story.

*a hand packing a little car with a picnic basket, driving it into the country (parking the car under what looked suspiciously like a bonsai) and enjoying an al fresco lunch. This had a musical soundtrack, tiny little props and excellent editing.

* a boy who handed his video in late after I sent an email to his Mum had 2 hands talking. One was a student and the other was an irate parent telling him off for not doing a Drama asignment. This one made me laugh a lot!

*Hands dancing, teaching aerobics classes, being stuck at home in lockdown, being bullied, going on a hike and ‘hunting’ cats. I found out Darby has the most adorable kitten I’ve ever seen. At the end, when the ferocious kitten was joyfully ‘attacking’ the hand hunting it, its purring was so LOUD!

The dogs, banished outside once Poppy’s explosive diarrhoea started. Here are Scout and Jeffrey asking mutely to be let back in, with Poppy, to the right, having yet another poo. Don’t let dogs near sourdough! Fun times.

This week I’m getting the Drama kids to look around the house and put together a 30 second soundscape made up of ordinary household items. They can do things like drag something across carpet, bang pots and pans together, slam doors, record the beeps from a microwave etc. Then they have to put together a movement performance to this soundscape, film it and send it in to me.

This isn’t an easy task, but surprisingly, the kids have been much less angsty about it than they were the week before. I’m hopeful that as the weeks go on and we all get used to how the whole remote teaching thing works, things will calm down and people will be a lot less anxious. Anyway, I gave them this task yesterday and it’s due tomorrow. I’m interested to see what they come up with.

Next week – I’ll hit them with a script that will be assessed. In normal times they’d have 2 weeks to get a performance ready. Now, I’m giving them 3 weeks.

Lockdown games! See the red bowl up in the corner? Ryan25 uses it for popcorn. Watch for the next photo as I subtly hide it from him.

During this time, we’ve been directed to make the kids feel supported and cared for, while not overwhelming them with too much work. We have to keep in mind that while some kids will have a calm, quiet home to do their schoolwork in, most will have other siblings hanging around, often loud, younger ones. They’ll probably have parents also working from home, maybe all of them trying to work from the same dining table.

Also, kids are stressed about this rupture to our normal routine. In the drama videos, but even in our written English work, it’s amazing how often the kids have referenced Covid-19. We’re expecting kids to complete the work we give them, but we know that some kids simply can’t or won’t do it. We’ll follow up, but at the end of the day, if a kid refuses to do the work, a term off isn’t going to make a huge difference in the scheme of things.

Lockdown games – There! Hidden. It took an extraordinary amount of time for Ryan25 to find his red bowl. I kept saying, “It’s in the cupboard!” Oh, the hilarity.

Speaking of following up work that isn’t submitted on time, here’s a tweet I sent after the year 7 Oral Presentations:

The funny thing is, the next morning most of those late students were among the first to hand in the work given out for Wednesday’s lesson. I’m betting they had irritable parents standing over them making sure that they knuckle down and do what they’re supposed to!

As far as teaching in lockdown, on the whole I’m enjoying it. We teach some lovely kids and their “Thanks, Miss!” emails when I send feedback on their work bring a smile to my face. (Which, when you think about it, is a stupid thing to say. It isn’t as if I could smile anywhere else on my body!) Teaching totally online is a challenge that I never thought I’d ever do – it’s not as if I’m teaching in the remote corners of the Northern Territory, for example, where distance ed is a normal thing.

I’m not missing my near 2 hours in the car on a workday. I’m able to wake naturally at about 7 or 8 AM and start my workday in the sunlight. That’s nice. I like teaching with my dogs beside me. And they, of course, are LOVING having Ryan25 and I home all the time. They’ll be devastated when life returns to normal.

Do I miss the classroom? No, not yet. If ever. After all, I know we’ll be back in a few weeks. Term 2 won’t last forever. This will be an interesting blip in my career, not something that will forever change how I teach my students.

The last two weeks have been hectic. I haven’t worked so hard in my life and made so few steps during a workday! My fitbit has thrown up its hands in disgust at how few steps I make on an Assessment Task day. But as I said, once both we and the kids become more familiar with how this whole thing works, I’m sure that life will calm down, the emails will be fewer and we’ll all just get on with the job.

Because that’s what’s happening. Our students are being taught. They’re still learning – not just about academic things but about surviving a crisis, getting along with people and being resilient. They’re learning not just from their teachers but by all they see around them.

This will be a time in history that they’ll look back on, hopefully with fond memories. They won’t remember those English questions about the novel that they submitted or that Maths test on Chapter 12 that they did. They’ll remember that their teachers cared. That they got to know their families better than ever before. That by all of us working together as a community, we can slow down the spread of an unthinking, uncaring virus and save lives by not overwhelming the hospitals.

They’ll have some funny memories. One of my year 7 kids – let’s call him Max – started off his oral presentation standing in a bath. His voice was all echo-ey from being in a bathroom. I was wondering why on earth he’d do this when he got to the sentence – “Then Percy Jackson discovered that he was the son of Poseidon, the God of the sea.” His father stepped into shot and threw a bucket of water all over him. It was hilarious! Max kept going, voice quivering a bit from suppressed laughter. Towards the end of his speech, he mentioned Percy Jackson having a lightning bolt as a weapon. His Dad, out of shot this time, turned the bathroom lights off and on a few times. It was fantastic. Max’s face was a joy to see. He won’t forget things like this.

So that’s what teaching from behind a computer is like. I’ve learned a huge amount about tech. I’m doing bleeding-edge teaching in delivering lessons in ways I’ve never had to before.

I’ve discovered that remote teaching means that the school day doesn’t end at 3:10. Kids (and I) are online all day. I have to close my laptop at 5PM and walk away, or else I’d be teaching till 10 PM at night.

I’ve learned to be more patient with kids than I ever thought I’d be. I’ve also learned that kids are flexible and creative and will rise to the occasion if you give them the chance.

Anyway, I began this post at 1:17 AM and it’s now 4:48 AM. Fortunately, it’s my day off tomorrow because I’ll definitely need a nap after lunch after writing this! I hope that this has been of interest to people. It’s a funny old time we’re living through.

I hope you and yours are all well. Stay strong, stay sensible and stay home.

Yesterday I saw a pelican.

A random pelican on the water.
This is not the actual pelican.

A lot has changed in a week. Schools have been closed for 4 days, thank goodness, and my dogs are ecstatic that their people are home all the time. Three of my boys are living elsewhere for the duration and I’m lucky that the quietest one, (Ryan25), is here with me.

Our house is so serene! Weekdays he has a lecture or two online from his uni for his remedial massage course, so at those times we close the hall door between our 2 living areas and I stay quiet at my end of the house. The rest of the time we do our individual things, meeting to have a chat every now and then, but basically just chilling.

This is what is isolation is like with an adult child. Hang in there, readers with young kids! Life gets easier with time.

Work finished for me on Monday, with our state Premier bringing the school holidays forward by 4 days. I was SO RELIEVED. People who have read my previous post may have picked up on the subtle hints I left that I was getting angrier and angrier with the directives to keep schools open that our government was dishing out. I mean – I love teaching and I love my students, but I certainly don’t want to die for their education! Particularly when our school is incredibly ready to deliver online learning. So yeah, Monday was a good day.

The rest of the week has been a weird mix of feeling like it’s holidays, but getting things ready for teaching on-line next term. I decided that I’m not going near work stuff on my days off, but the other days I’ve been correcting kids’ work, emailing them chasing up work and getting my head around what I’ll be doing next term. English is easy. But I also have a year 9 Drama class. The more ‘artsy’ subjects will look very different for the next little while.

But what’s with the pelican?

I’ve decided that I’ll be avoiding the dog beach for the next little while and instead I’ll be taking the dogs for an early-morning walk along the river each day. Yes, I’m spoiled for choice here! Yesterday we walked further along the riverbank than we ever have in 4 years of living here.

It was beautiful. We began our walk at 7:45 AM – exactly the same time that I’d usually be in the car, fighting the traffic. We strolled down to the end of our street, turned right and walked to the boat ramp. Then, for the first time ever, we kept going.

There were a few people there, walking their dogs, bike riding or jogging, but not many. Every time we passed each other at a safe social distance, we’d nod and say, “Morning” and then go on our ways.

The water was like glass. The sky was blue with fluffy clouds and there was a gentle breeze blowing. You couldn’t ask for more. We stopped to give Scout’s little legs a break and watched some brown ducks swimming by the bank. Every now and then they’d duck-dive, one of then going completely beneath the surface. All we could hear was birdsong and the distant hum of what little traffic there was.

Beyond the boat ramp, as we were walking on the grass up towards the walking track, I saw the pelican sailing majestically on the water. I had no idea that we have pelicans here! Normally I think of them as living in the country, near piers where fisherman toss them their rejects; not here in the city!

And to think that if it was a normal weekday, I’d never have seen it.

I’ve written about the secret to happiness before, but in these strange times I believe that our happiness and contentment are going to come from noticing the little moments that are in every day. The really BIG things that people look forward to have, for the foreseeable future, been put on hold, so the little glinting moments are what we’ll have to look for and consciously enjoy. Otherwise life will seem very dark indeed.

Things I’ve noticed since being home this week:

* Seeing a pelican.

*Listening to my son’s podcast*** and laughing hysterically. He has a way with words, that one!

*Having a virtual meeting with friends from work where we all danced to ‘Staying Alive’ and then chatted about (mostly) non-work related things for an hour. Looking forward to doing it again on Monday. Next song to dance to will be the Thurman/Travolta song from ‘Pulp Fiction.’

I’ll be limbering up on Monday morning!

*Having a nanna nap with the dogs sleeping beside me. Jeff tends to snore. It’s like having a husband.

*Hearing the little kids next door playing without a care in the world.

*Coming home from the last shopping trip, realising that I’ve got pretty much everything we’ll need for a while.

*That satisfying ‘clunk’ of the gate closing behind me. Unless something unexpected happens, the car will be staying put for a long while.

*The quiet satisfaction of talking with Ryan25 about anything and everything. It’s a beautiful thing to have adult children.

*Being proud of Tom28, who has taken over the responsibility of shopping for my parents because he lives the closest to them.

*Calling my boys and hearing their voices, especially when they say, “I love you” first.

*The dogs… they make me laugh every day. I admit that things would be far lonelier without them.

I’m an introvert at heart, though you wouldn’t know it if you saw me at work! I feel like I’ve been training for self-isolation all my life. But I’m curious.

What are the little things you’ve experienced over the past few days that have make you smile? I’d like to hear about them in the comments if you have the time. 🙂

***My son’s podcast is called ‘The Under The Stairs Show’. He and 2 friends from his acting course at uni talk about all sorts of stuff. It’s often very silly. If you’re so inclined, listen to episode 13 called ‘The Love Shack’ where the boys dissect the lyrics to the classic B-52’s song. Guess which one is Evan23!!!

Buy practical souvenirs, they said. It’ll be fun, they said.

Jeffrey while I was packing. Not sure if he was trying to prevent me or hoping to come too!

I have a rule when I go on holidays. Any souvenirs I buy tend to be useful. I bought an olive oil container in San Gimignano. A spatula in Pyongyang. Christmas tree decorations all over Europe.

So what did I buy on my getaway this week to Bowral?

My stylish yet affordable shopping trolley.

I’m so pleased with this one. I now have a shopping trolley, just like a nanna!!! Living around the corner from Aldi, as I do, I usually load myself up with a few bags and walk to get my groceries. Those bags can get heavy on the walk home.

So yesterday, I looked at my zombie apocalypse cupboard and realised I needed to panic-buy wine. A woman cannot live on toilet paper alone. So I took it out for a spin. It worked a treat. I’m very happy with this one.

But what else did I buy as a souvenir?

A helicopter ride.

I spent $250 on a helicopter ride.

And before you mention the rule about practical souvenirs – in my book this IS practical. I’ve never been in a helicopter before and now I know that I won’t die wondering what it’s like.

Just before lift-off.

When I’m walking the dogs on my Backyard Beach, we get quite a few small planes and helicopters above, following the line of the bay. I thought it’d be nice to create a memory that I’d think of every time I see a helicopter.

Lovely clear morning – Fortunate Frogdancer strikes again!

There’d been torrential rain two days before, so it all looks beautiful and green, but you can see that the dams in the paddocks are nowhere near full. The farmers could still do with a lot more rain.

I had the headphones on and we could hear the chatter from air traffic control, as well as the conversation from the people in the cabin. (Three of us.) You could hear the sound of the rotor blades but it wasn’t too loud.

The day was already quite warm. The only air-con was a little flap in the door next to me, which I could push open or shut. I left it open and the breeze was beautiful.

The border between Victoria and New South Wales.

I drove over this river the day before.

Two memories for the price of one.

Bowral has a way famous antique/junk market called Dirty Jane’s. I whiled away a couple of hours here and walked away with my rusty bird on a swing for a mere $25. I’m always on the look-out for quirky garden art. The reason I bought this was that the bird looked just like the fried baby pigeons that I saw at a food market in Beijing. Two holiday memories for the price of one!

And in case you’re wondering – no, I didn’t eat one. When I travel I rarely say no to experiences, but I couldn’t face crunching away on a baby bird. Or a skewer of scorpions, some of which were still moving. Fortunately, there was nothing like that on the menu in Bowral!

On the way up I stayed overnight in Albury. In both towns I walked through every art gallery I could find. The Milk Factory was the best one I found in Bowral, but I struck gold when I found the Albury library’s gallery. They had a huge exhibition of Lynley Dodd’s work. You know – ‘Hairy Maclary from Donaldson’s Dairy‘?

When I walked in, a tour was just starting. Fortunate Frogdancer strikes again! So I joined it and followed them around. By the way, did you know that in New Zealand a ‘dairy’ is like a corner shop or milk bar? Puts a whole different view on things.

Of course, being Scout’s mum, I had to take a photo of the dachshund!

In keeping with my new view on exercise, I kept the car driving to a minimum. Well, aside from the whole 753 kms/ 468 miles to get there in the first place.

I walked all around the town centre in Albury and discovered their lovely little botanical gardens. Galleries and gardens are free, people! While I was in Bowral for 3 nights, I didn’t get into my car at all. I walked everywhere, which would’ve been unheard of on previous holidays.

In fact, on my last full day there, I didn’t leave the room until 5 PM, when I walked into town to buy some sushi for dinner. I packed my sewing machine and the half-assembled quilt top that I’m making for my sister-in-law and I vowed that I wasn’t leaving town until I’d finished it.

Yes. I didn’t choose the thug life; the thug life chose me.

Success! I finished it 15 minutes before ‘Survivor’ started! Now all I have to do is assemble and quilt it.

When I planned this holiday, I decided I was going to go to galleries, eat out at restaurants and go for bushwalks. When I took the helicopter ride, I decided that I’d cut out the restaurants. The only meal I had in one was when I met up with a blog reader and her Other Half who took me to an American-style diner in a neighbouring town.

Blogmeets are always good. You all know each other from your writing and so there’s no initial awkwardness when meeting up for the first time.

I bought a delicious sourdough loaf from an artisanal bakery and some dips from Woolworths. They were my breakfasts and dinners for a couple of days. It was DELICIOUS! I’ve always wanted to go to a Turkish restaurant and just order dips and bread and now I feel I’ve finally done it.

That’s a huge advantage of travelling as a single. If I feel like eating sourdough and dip for 2 days, I can.

I also gave myself a treat to look forward to. I always have one bottle of perfume on the go at any one time and I totally use it up before opening another one. For the past year or so I’ve been using a perfume that Mum and Dad gave me after a Bali trip. It’s ok… but it doesn’t fill me with joy when I spray it on every morning. But it’s just a few squirts away from being used up, so I bought my FAVOURITE perfume.

This is what I took away with me. It was lovely to unwrap it the first morning I was away and use it.

Mmmmm Mmmmm!

Sometimes looking forward to something is a gift you can give to yourself.

The same height as the birds.

So, as I sit on the couch before I go back to work for the first time in a week, how do I feel?

The alarm at 6 was a rude awakening. I don’t really want to go in, even though I know I’ll have a good time when I get there. With all the talk of coronavirus, going to a school packed with 2,300 kids and 200 staff is starting to seem slightly reckless.

Still, it’s just the one day, then I’ll have the weekend. And I can always simply close my eyes and remember when I was flying with the birds…

It’s all in how you look at it.

The reason I picked that meme to head this post was that on Thursday I took Mum to a couple of art galleries. The part-time work life I’m living now means that on Tuesdays I have the day to myself, while on Thursdays I visit my brother (who had a stroke on Christmas Day) and then my mother.

Up till now, I’ve been taking her to her physical rehab classes but those have finished. So what am I to do with a woman with a walking stick, who used to be an artist? Well, the answer pretty-well presents itself, doesn’t it?

Since her fall last year, when she broke her shoulder, she hasn’t been to any art classes or picked up a brush. Now that she’s able to move around with her walking stick or her walker, I thought it was time to see if her creative juices could start flowing again. For nearly a year the only things that her imagination has been stimulated by was talkback radio and shows like ‘Antiques Roadshow’ or whatever happens to be on TV. I’m amazed she hasn’t been committed yet. It would send me round the twist within a couple of weeks, I’m sure.

A painting from the first gallery.

Anyway, I swung into action, doing what any sensible person would do. I googled “Art Galleries near (Mum and Dad’s suburb.)

As luck would have it, there was a gallery right at the end of their street! What are the odds? Turns out Mum’s never been there, even though Dad takes her to the hairdresser just a few doors up.

When we walked in, the artist was painting. She welcomed us, then when I mentioned that Mum was also an artist they fell into a conversation about acrylic vs oils; watercolours and other artist-y stuff that I didn’t understand. Mum loved it!

After this, we went to a larger gallery a couple of suburbs away, where, as luck would have it, Mum knew one of the artists who was currently having an exhibition there. She absolutely fell in love with one of his paintings and if the price tag wasn’t in the thousands, I’m pretty sure she would’ve brought it home with her.

All up, we were out for maybe 2 hours. It was the perfect frugal outing, with absolutely no money spent, but lots of chatter and discussion. It was when we got home and were talking with Dad that Mum said something that prompted this post.

“The first gallery – the shop at the end of the street. That poor girl must be doing it tough… they live behind the shop and there can’t be that much money coming in from the paintings. She has a husband and children… money must be tight…”

I began to nod, but then all of the things I’ve read and listened to in the FI/RE movement made to take a step back.

“No, maybe not, Mum,” I said. “Maybe she’s designed the perfect life for herself. She works from home so there’s no commute. She’s doing the thing that she loves and there’s no boss telling her what/when/and how to do it. People would be walking by all the time, so she’d have little chats just like she did with us. If she needs time off she can just put a ‘closed’ sign on the door and her time’s her own. When you look at it like that, it sounds pretty darned good!”

Mum blinked but then agreed.

It’s funny, because either scenario could be true. She and her husband might very well be eking out a miserable existence, longing for her to get a regular job like the rest of us. However, she looked pretty contented sitting in her shop, dabbing away at a commissioned piece while randoms like us wandered in, chatted and whiled away the day.

I like that I got to see this woman living her best life. On every other Thursday in any other year, I would’ve been trapped in a classroom with 28 teenagers…

… or maybe I’d be loving the experience of educating the young and no doubt having a laugh at the same time.

Maybe it truly is all in the way you look at it!

Financial Independence – the most bitter pill of all.

What’s the point of FIRE? Why bother to reach financial independence? Personally, my go-to answer has always been ‘Freedom.’ I propelled my way to FI on the twin goals of wanting security for my family and freedom to spend my days as I, (and not the school timetabler), chose. But imagine my shock and horror when, after reaching my goal, I find out that in order to truly enjoy the FI/RE life to the full, I’ll have to radically change an aspect of myself that I’ve always held dear. It’s a bitter pill indeed.

Ever since the day I left my husband 23 years ago with $60 cash in my hand, (I gave him the other $60 in the account because fair’s fair, it was a joint account), and dragging the 4 little boys under 5 with me, I’ve craved financial security. Over time, as that goal became closer, it morphed into a desire for overall financial freedom. Six or seven years ago I stumbled across Go Curry Cracker’s blog and asked in the comments what ‘FIRE’ meant – (I went back a few weeks ago and yes – it’s still there!) – and I’ve been steadily and intentionally making my way there ever since.

However, since my brother had his stroke on Christmas Day and my aunt died in January, I haven’t been motivated to write very much. I’ve been doing a lot of thinking and evaluating. My nephew was also battling lymphatic cancer, while being a father to 2 and expecting number 3 later this year, (he’s all clear now!), while people I’ve known for years at work are struggling with various health issues like Parkinsons and other things. Also, Mum falling and breaking her shoulder has affected her mobility ever since.

Maybe, I began thinking, I should look at what’s happening around me and realise that maybe age is catching up to some of us. Not me, of course! I’m youthful and dewy still. Yes… but still…

… maybe our bodies don’t simply carry on forever? What am I actually doing to maintain fitness?

Ugh.

Fitness.

I’ve never been one to go for a walk just for the sake of it. What’s the point? I’ll walk to the shops, I’ll definitely walk the dogs and I’ll walk to the library to return books, but why on earth would anybody walk for fun?!? As for sports… yeah nah. I don’t mind watching a good tennis match and I watch the AFL Grand Final every year, but as for actually playing a sport? No thanks. God invented books for a reason and that is so people can curl up on the couch and read them.

There’s no denying it. I’m not fit. At all. Never have been. This blog post from 2015 shows a photo of Steep Hill in Lincoln. What I didn’t mention in this post, because I didn’t want to worry my family, was that as we were driving away after walking up this incredibly steep street, I had pains in my chest. Poor Scott thought I was going to have a heart attack. Fast forward to my trip to North Korea in 2018, when I had to quit a walk up to the top of a mountain because I knew I’d never make it.

Yesterday I learned that A, my ex-husband, is going into hospital on Monday for a triple by-pass. He’s only 3 years older than I am! My God, it seems like everyone in their 50’s is dropping like flies!

Now, I realise that I’m writing in a niche where bloggers reveal all when it comes to their intimate figures. On their spreadsheets, that is. Well, I’m not about to reveal any intimate figures, either on my rotund frame or numerically. I don’t think the internet is quite ready for the former. But I haven’t been happy with my level of fitness for many years now, so something has to be done.

First step – I bought a Fitbit, (because there’s no doubt I’m a lazy cow). After all, what isn’t measured can’t be managed. Apparently, exercise helps stave off strokes and stuff. I began with not changing a thing about my life, just to see the baseline of where my steps are. It was in the summer school holidays, so it was always going to be low.

Turns out that if I have a book-reading day, my steps are as low as 2,000. Yikes! A normal day would be around 4,000. No wonder I’m getting to be what used to be described as a “cosy armful.” So I set the goal of 10,000 steps a day.

Turns out going from 4 to 10 thousand steps is really hard. So instead of beating myself up, I’m now looking at my average daily steps each week and aiming to improve on them each week. I figure that’s a more sustainable way to get into the habit of moving more. I’ve now reached the stage of giving the dogs an extra walk if I’m low in steps, which they love.

Though I didn’t think ahead when I bought Scout. Those tiny little legs can’t walk a long way before they get tired. I can’t leave her behind when I walk the other dogs because she literally screams. You’d swear she was being torn limb from limb. Still, I guess me carrying her adds to the weight loss goal.

I was talking with Jen, my sister-in-law today. She says she has a Pilates machine at home and she invited me to test drive it. She’s as thin as a twig and is constantly moving, so I’m going to go over there and have a go. Why not?

I can’t see myself ever being a fitness fanatic, but there’s no doubt that I’d be a fool if I ignored everything that’s going on with the people around me. It’s a bitter pill to swallow, but better I swallow this than a packetful of Haribo Gummy Bears.

After all, what’s the point of becoming financially independent and retiring early(er) if you’re too fat and unfit to do anything with all that freedom?

I gave myself the gift of time.

Well, the Australian school year began two weeks ago and I – I have begun my new life of part-time work. Yes, I gave myself the gift of time. And boy, do I have a story to tell you!

At the beginning of last year, I had no intention of going part-time. I was racing towards my FIRE number and I thought I’d simply push on through with full-time work until I reached it. But then Mum had a bad fall and broke her shoulder. It brought home to me the fact that my parents aren’t getting any younger and I really should step up and spend some more time with them. So, before I could talk myself out of it, I went to see my principal and asked for 2 days off a week in 2020 – one for Mum, one for me.

Fortunately, she also has ageing parents so she understood and agreed. This year I’m working Mondays, Wednesdays and Fridays, with Thursday afternoons devoted to taking Mum to her physical rehab appointments, while Thursday mornings I’ll spend with my brother in his rehab place as he deals with the aftermath of his stroke.

But Tuesdays are for MEEEEE!

The Australian school year started a couple of weeks ago, so I’ve had a bit of a taste of what my life will now look like. And it’s not bad…

The first school day for teachers was on Tuesday January 28. Now, Tuesday is one of my days off but all teachers had to attend school that day due to Important Teacherly Meetings and such, so I got a day off in lieu, where I can choose the date of my day off. Remember this because it’s important later.

At the end of Wednesday, I announced to the staffroom, “I’ve worked two days in a row. I’m exhausted!! I’m never doing this again. See you Friday!”

Judging by the comments flung my way after that, they now all hate me.

Last week was the first week where it was Business As Usual. Monday was a workday, then came Tuesday. That morning, my feet hit the floor at precisely the time when, if it was any other year, I’d be throwing things into my bag and racing out the door. I loved getting up, feeling rested and leisurely making my morning coffee.

I took the dogs for a long walk and then surveyed the hundreds of tomatoes that I had ripening on the benches in the kitchen. I decided that I’d have to spend time harvesting them and putting them into the freezer for meals.

I put on my son’s podcast, grabbed a chopping board, a knife and the thermomixes and got to work. I’ll blog about this in more detail later, but suffice to say that I worked from 9 – 4 processing bags of tomatoes, squash/zucchini and herbs to make the basis of 50 pasta meals. Yes, FIFTY.

They’re all in the freezer and amazingly, my kitchen is now filled with just as many ripening tomatoes as before. My garden has gone crazy. But do you know what the really crazy thing is?

In previous years when I was harvesting produce from the garden, I had to do it on the weekends. I’d be chopping things and bagging things like a threshing machine, all the while thinking, “Argh!!! This is taking so long! I’ve got a million other things I need to be doing! WHY is this taking so long? I don’t have TIME for this!!!

But this time? I was chilled. I was working steadily but it wasn’t a problem. In fact, I wasn’t even conscious of how much time it was all taking until in the afternoon, chatting with Ryan25, I saw a secondary school kid crossing the street. “What’s the time?” I said. “I just saw a kid either walking home or wagging.”

“It’s 3:30,’ he said.

Wow. The whole day passed in the kitchen and I wasn’t stressing out about how long it was taking. This was bonus time – I Got Things Done that would normally have been put off until the next weekend. I was relaxed and feeling productive. What a great feeling!

This really brought home to me how cool this new work/life balance is going to be. There is no way I could have even considered this before I became financially independent, but now I have options. And speaking about cool – how cool is it that it all fell into place just as my parents and brother needed me to have more time?

It definitely shows that working towards financial independence is the way to go, even if you think that you don’t want to give up working. You never know when your priorities will shift and it’s nice to able to have the choice, without money being the major thing holding you back.

But remember that day in-lieu? This story gets better…

The second day back, I was talking with some of the young Maths girls in the staffroom and I mentioned that I’ll be able to choose a day off in the next few weeks.

Emily’s face lit up and she said, “Frogdancer! You should take the Friday before the Labour Day long weekend off. Then you’d get Thursday, Friday, Saturday, Sunday, Monday and Tuesday off!”

OMG. Mind Blown.

And to think I was planning to teach my 3 classes for a few days, see which class I liked the least and then take off a day when I had them for a double. WHAT an idiot I am!

I raced over to the Daily Organiser and got that day off locked in. I came back to the staffroom and then Emily said, “You know? You really need to go away for a holiday…”

“You know? I really DO!” I said.

I jumped onto my computer and within 15 minutes I booked a three-night getaway in Bowral, just outside Sydney. I was supposed to be working on Important Teacherly Stuff but hey… this was more important.

Bowral is a cute, funky little place with art galleries, cafés, bushwalks and the Don Bradman Cricket Museum, (not that I’ll be bothering to set foot into THAT place! Hate cricket with a passion.) It’s an 8-hour drive from Melbourne, so I’ll take the car and have a real road trip. It’ll be just me, my podcasts, my books and a thirst for sedate adventure.

It’s already shaping up to be a great year! Hmmm, I wonder how I’ll spend my day off tomorrow???

My backyard beach. 🙂

Sow the seed, so you can reap the harvest.

Cavalier and Dachshund on the couch.
Poppy in the background, Scout seductively in the front. Just chillin’.

I know I said I’d be back when my head clears. I don’t know if I’m quite there, but after today (Monday – a public holiday) I go back to work, so if my head isn’t ready to deal with Real Life by now, it definitely has to be by tomorrow! But over the last few weeks, I’ve noticed that things I’ve put in place in the past have started to come to fruition in the present. Sow the seed now to enjoy the future.

As people playing along at home may remember, tomorrow is the first day of my new, part-time life. It marks the beginning of a new stage in my life. A stage where, for the first time since I left my marriage 22 years ago, I have actively decided to decrease the amount of money I earn, instead of frantically trying to bring home as much money as I could from my job and any side-hustles I could find.

I never thought I’d be in a position to drop my days of work down to 3 days a week – let along reach financial independence before I was 67! Yet here we are. Seriously people, keep chipping away that that debt/paying off that mortgage/salary sacrificing into superannuation and throwing money at investments. Sow the seeds before you need them, even when you think that the goal of financial independence is so far away you’ll never reach it. Sometimes life will surprise you.

The time will pass anyway, whether you look to the future or not. You might as well be a little bit frugal and put money aside for when you’re older. It can’t hurt and it might help.

It definitely did for me.

Cavalier on the couch.
Jeffrey, just chillin’.

My brother’s condition remains unchanged. Jen, my sister-in-law, has gone to the country for the long weekend to spend time with her family, so yesterday I went to the hospital to see him. When he woke, he was surprisingly lucid. He definitely knew me, laughed when I said I was distraught about having to go back to work in 2 day’s time, noticed my big solitaire diamond ring and even remembered what his dog’s name was when I asked him.

Sometimes the lights are on and some of him is at home, other times not. I was lucky I happened to strike him at a good time.

New paling front fence.
The latest project.

Meanwhile, the projects continue at The Best House in Melbourne. We now have a new front fence and electric gate. I was tired of the little woofs defending us against all other dogs, prams and motorised scooters for the elderly, so I decided to block their line of sight. You may remember a little while ago I decided to harvest some profits from my investments and Get Some Jobs Done? This is the first of them.

In a month or so after the timber has been seasoned, it’ll be painted. Just wait till you see what it looks like! I always think it makes life more fun when you have something to plan and to look forward to.

Tomatoes and squash in the kitchen.
It’s a bit dark. Sorry. Hundreds of free tomatoes ripening, lots of squash and some coffee grounds waiting to be put into the garden soil.

While I’ve been preoccupied with family matters, the garden has been powering along. Currently, I have piles of tomatoes gently ripening in the kitchen where the birds can’t get them, while beans are hanging by the hundreds and squash and zucchini are growing so fast you could almost swear you can see them doing it.

Back in November I wrote a post called ‘Growing a portfolio is just like having a veggie garden.’ Now, 2 months later, we’re reaping the results of putting in that work of fertilising and planning – not to mention the work of installing the beds to begin with! Like a money nerd happily upgrading his/her net worth spreadsheets at the end of the month, there’s something deeply satisfying about being a gardener, walking back to the house with an armful of produce that you’ve grown on your own property.

Even better is when you nourish your family with what your garden has produced. It’s like the feeling you get when it’s cold and stormy outside, yet your kids are tucked up safe and warm in the home that you’ve provided. It’s a good feeling.

Incidentally, scroll back up to the photo and look at the men on the window ledge. One is from Bali, the other from South Africa. Travel is important to me and lots of tiny frugal decisions made along the way has enabled me to be a Valuist – able to have money put aside to spend where I find the most value.

A baby quilt for my brother’s grandson, who’ll be born later this year.

It’s not just spreadsheets, investments and actual plants that the harvest metaphor applies to. Hobbies and skills are another.

Back in 2008 I decided to learn how to quilt. I borrowed a sewing machine from Blogless Sandy and bought a basic pattern from the local quilt shop. The thought that tipped me over the edge was that all quilting was, was sewing little straight lines. Surely even I was capable of that?!? I made a quilt for my youngest son, Evan11, because I thought he’d be the least critical of my efforts.

Thirty-odd quilts later, here I am. The baby quilt above was a result of mixing 2 quilting ideas together to come up with a fun gift for this new little boy. There was Maths involved, (and we all know how much I hate that!), and some slight swearing, but now I have a fabulous gift that cost me nothing but time to create.

I took a break from quilting for years when I was hitting my side-hustle of Thermomix really hard, but now I’m back. I still have the skills I learned and the fabric I bought back in the day and now, given that I’m only working part-time this year, I have the time to devote to creating more beautiful and snuggly things for the people I love.

I didn’t start off intending to write about sowing and reaping, but as I wrote, the thread seemed to be clear. I’m writing from a position where, because of hundreds of tiny actions and decisions made over the last 2 decades, I’m able to begin to start harvesting the rewards. I’m able to spend serious coin on the things that matter to me and to ease off the throttle of full-time teaching to be able to enjoy the simple pleasures that life offers.

I hope that anyone reading this who is still on the earlier parts of the journey (how I hate that word but sometimes there’s no alternative!) will see that there’s no need to get discouraged or disheartened by how long a road there seems to be in front of you.

By sowing the seeds of financial independence, learning new skills and hobbies along the way and having little projects and things to look forward to, you’re not only laying the foundations for an excellent life for Future You – you’re also enjoying your current life along the way.

Remember, the time passes whether you’re sowing the seeds or not. You might as well intentionally scatter some as you go.

Two years into early(ish) retirement – interview.

Yachts from the beach.
Beach views…

I’m always interested when retired people continue writing their blogs, or when people post interviews with people who have already reached early(ish) retirement. So many of us in this space are still working our way towards the time when we can strap on our socks and sandals and skip off towards the sunset, so it gives me great motivation to hear from people who have reached the goal and can let us know what it’s like to live the dream.

Today I have a post from my best friend Blogless Sandy. She and her husband retired a couple of years ago, long enough to settle into it, so I thought it’d be interesting to hear her perspective on this whole retirement thing. The photos she’s attached also means we can literally see her perspective as well!

Here she is:

Blogless Sandy at a vineyard.
After a lazy mid-week lunch at a winery.

I’m Blogless Sandy, aptly named by Frogdancer because my real name is Sandy and I don’t have a blog. Who would have thought an English teacher could be so imaginative!

Anyway, given that Frogdancer is working her way towards retirement and I’m already there, she has asked me to write about my experience of retirement so far, a whole 2½ years of it. This all started after her post quite while back titled “Retire? But what will you DO all day?” and a discussion we had at the time about retirement in general. Frogdancer and I met 24 years ago when our kids were still babies and we’ve remained best friends ever since, so we discuss stuff a lot.

A little bit about me. I’m married with 2 adult children and 2 grandchildren. My husband and I retired to the Mornington Peninsula (about an hour from Melbourne, Australia) 2½ years ago, after selling our large family home in a suburb of Melbourne. My husband, who is 11 years older than me, had just retired. Selling our home and buying a smaller house further from the city meant I could also retire immediately. I was 56, so although not an early retirement by FIRE standards, it was still a lot earlier than most Australians manage.

The beach at the end of her street.
Blogless Sandy, like me, has a dog beach at the end of her street. How handy!

I retired on a Thursday and we moved to our new home (the best house on the Mornington Peninsula) the following Monday. When I look back I contemplate that it could have been a complete disaster. I left our family home of 24 years, my job of 27 years, our friends and everything that was familiar, moved to a totally new location, and all within the space of 4 days. Was I concerned? Not at all… well, if I’m being totally honest, maybe just a little bit.

When I announced to friends and work colleagues that I was retiring and moving, the question asked most often was “But what are you going to do?” I’d never considered that filling my days was going to be a problem, but it seemed to be a concern for others. This is understandable, given we spend a good deal of our lives in the workforce with our schedule dictated by our job. Then when we are at home, for many, much of the time is taken up with raising a family and running a house. Our lives are interspersed with holidays where we get to choose what we want to do, but trying to imagine a life that is essentially one big extended holiday can be difficult.

For me, the biggest change when I retired, apart from the obvious one of not having to work anymore, was the lack of social interaction compared to working in an office environment 4 days a week. Even though we often work with people that we are not necessarily friends with outside work, we tend to socialise quite a bit at work. We usually talk with work colleagues about our weekends, events we go to, activities we participate in and just make comments about things in general. Suddenly all that was gone! It was just me and hubby! But don’t panic, it all worked out fine, without one of us doing serious harm to the other. Just saying though, it was a huge change that I hadn’t really thought about before it happened.

Fortunately for us, we’re both reasonably self-contained people who are quite happy with our own and each other’s company. For people who struggle a little with the whole being on your own thing though, it’s probably worth considering how this will impact you. You might surprise yourself and learn to love all that “aloneness”. You may discover that you’re actually damned good company and that a bit of alone time can be quite replenishing.

Biking near the bathing boxes at Portsea.
Just another afternoon at the office on the beach.

I liked Frogdancer’s post (mentioned above) as she was obviously considering that retirement is not just about travel and sleeping in. The day to day needs to be filled with something too and having a number of projects or interests in mind is a good start. When people asked me what I was going to do in retirement, my response was that for the first 6 months I would sleep, read, knit, take long walks along the beach, spend time with my grandchildren and explore our new location. Then once I got bored with that I would consider what else I wanted to do. Of course, I had projects and activities in mind, but my initial goal was to just unwind and treat the first stage of my retirement as an extended “staycation”. I picked 6 months as an arbitrary length of time, not really knowing if it would take more or less time before the boredom began to set in.

Grandchild running down a path.
Imagine retiring early enough so you can keep up with a toddler?

And there’s that word – boredom – that we all seem to be so afraid of. Now I agree that an extended period of boredom is not a good thing, but I don’t believe that short periods of boredom are all bad. After all, if you’re a bit bored, isn’t that when you start looking for something to do? I know in my life, many a good project or new activity has been kick-started by a little bit of boredom.

One by-product of retirement is that I’ve finally learned to slow down – most of the time anyway. It took quite a while to wind back to a gentler pace, but generally I no longer feel the urgency to get everything done today, not when I can see a whole bunch of ‘todays’ in front of me. Life is not lived at the same frantic pace as before and there is more time to enjoy the small moments. Interestingly too, having learned to slow down, I just don’t need as many things to fill the day. Compared to my pre-retirement life, I now feel like I do a lot of “nothing”. It’s not really that I’m doing nothing of course, but I’m going at a slower pace and enjoying more quiet moments.

Blogless Sandy's dogs snoozing together.
Being able to spend more time with the dogs – sounds good.

I know that before I retired, I generally thought of retirement as a fixed kind of thing. You retire, you do certain things, lead a certain kind of life and that’s it until you’re carried out in a box. I realise now, that for me at least, retirement is more of an evolving process. Initial retirement was the “relax and unwind” phase. After years of raising a family and being in the workforce that’s what I needed. There were lots of sleep-ins and idle mornings, lots of lazing around. There were lots of days with nothing planned and lots of spur of the moment outings. It was wonderful, but I reached a point where I needed more than that. I’m the kind of person who functions better when I have some kind of structure to my week and that’s what I have now.

I like the sameness of familiar activities and pastimes, but I also revel in the challenge of doing new things too. Now, 2½ years into retirement I find I’m busy, but a new kind of busy. I’m busy doing the things that I want to do. I always said that when I retired I wanted to volunteer at an animal shelter, so now I walk the dogs at a shelter one morning a week.

Walking group heading off into the bush.
Taking a hike on a mid-morning Thursday.

I also participate in a walking group one morning each week, always in a different, but nearby location. I get exercise and social interaction and get to explore the local area, all in one activity. We look after our grandchildren 1 or 2 days a week, but that has become fixed days rather than the casual arrangement it started out as. I prefer the fixed arrangement as it fills my need for structure.

Yoga studio overlooking the bush.
Imagine having yoga classes in a studio with this outlook?

I always used to speak about doing yoga or pilates but had never actually done more than talk about it. I no longer had the excuse of being time-poor, so I took up yoga about 15 months ago and currently attend 5 classes a week. Then there’s the small commitment of being a member of the local beach cleaning group and trying to combat the never-ending amount of rubbish that gets left behind or washed up on our local beach. In amongst these things are the outings, the dog walking, the bike rides, the walks along the beach, the catching up with friends, the gardening and the pottering around. Oh, and just a bit of bad news, even in retirement the housework still needs to be done!

It’s a lovely kind of life that I’ve created and I’m very content. That’s not to say things can’t or won’t continue to change though. I feel free to keep creating the kind of retirement I want and as time goes on circumstances are bound to keep changing. We were only recently contemplating that before we know it our caring commitment to our grandchildren will be reduced to just school drops-offs and pick-ups. Then we found out that grandchild number 3 is on the way!

Two grandchildren hand-in-hand.
Little do they know they’ll have company soon…

I spent 12 months volunteering at 2 animal shelters and recently decided to discontinue one of the roles. I was feeling overcommitted (overcommitted in retirement! haha!!) and my role at one of the shelters was very physical and rather thankless. I kept going for the sake of the animals, but ultimately decided to focus my energy on the shelter where I feel my contribution has the most impact and is more valued. If I want to increase my shelter volunteer work again in the future I can easily commit to additional shifts at that same shelter.

As mentioned, I took up yoga about 15 months ago. I was attending classes once or twice a week and decided about 5 months ago to make a bigger commitment. I didn’t feel I was doing my yoga practice justice and wanted to see how I’d feel about the whole yoga thing if I got a bit more serious about it. So now I attend 5 classes a week and yoga is my current obsession!

After another 2½ years of retirement, my weeks may be entirely different. I may decide in the future that I want more in my weeks, less in my weeks, different or new things in my weeks. The beauty of retirement is that it’s an evolving process full of endless possibilities, limited only by what I want it to be.

So don’t be concerned when people ask you what you’re going to do in retirement and you don’t have all the answers. If you have a vague idea of some things you want to do and some interests you might want to explore, you will be able to create the perfect retirement for you.

Spa time with bubbly.
Retirement looks awful, doesn’t it?

It’s me, Frogdancer Jones again!

I really like how Sandy and her husband utilised domestic geoarbitrage in much the same way I did to free up capital that was otherwise locked into real estate. Being able to use that money to downsize and invest has shaved YEARS off her working life (and mine too! It’s 2020 – hello part-time work!!)

Something that she didn’t touch upon is that retirement looks a bit different for her and her ‘hubby’. Blogless Sandy likes a structure to her week, whereas her husband is a more ‘go with the flow’ person who takes each day as it comes.

For me, looking at how they’ve settled into their new life down on the Peninsula, it’s made early(ish) retirement seem far less risky and scary. They live life in their own ways and they’re very happy. I could do with a piece of that…

Thanks, Blogless Sandy. Enjoy your beach and your spa!

A Very Redneck New Year.

Nearly all of the Redneck Christmas package. I ate the Chex Mix before I took the photo.

One of the best things about being a blogger is when you start to build a community. I first discovered this over a decade ago, back when I was writing about knitting and quilting with my personal blog Dancing With Frogs and I started attending blogmeets with other ‘crafty’ women.

One of the funniest times I bumped into a fellow blogger was when I was attending a two-day quilting workshop and I was talking to someone about knitting baby hats for my Etsy shop. One of the women on the other side of the table said hesitantly, “Excuse me… are you… Frogdancer?” Turns out we’d both been reading each others’ blogs for ages!

A similar thing happened when I was on a four-day course to learn how to run a team for Thermomix. Chatting away at dinner on the first night, Bee from Tick of Yum and I realised who each other way and we had a rapturous moment of recognition. Puzzled everyone else at the table but we were rapt. Here was a kindred spirit!

Last April the incredible Mr and Mrs Groovy visited Australia and came down my way. I was on school holidays and we decided to meet up for a day so I could show them around. Unlike most meetings when you have to establish all of the ‘getting to know you’ stuff, we’d read each others’ blogs so we pretty much just jumped straight into a conversation and went from there. Felt like we’d been good friends for ages.

We had such a great day. We walked along the Yarra for a while, then I took them to Doyles in Mordialloc to have lunch by the river, then we came back to The Best House in Melbourne. We went to the Backyard Beach and had fish n chips for dinner before we drove back to the city.

Mr Groovy is one of the most open-minded people I’ve ever met. We three had incredibly interesting conversations over the course of the day. I wish they lived closer.

From Mr Groovy’s post about my care package.

When they dropped an off-hand comment a while ago that they missed timtams and vegemite, I thought that a little care package wouldn’t go astray. They responded with a care package of their own – a redneck Christmas.

The parcel arrived on Christmas Eve. We have a tradition at Christmas that one person at a time opens a gift, so the whole family was watching as I began lifting these exotic American foodstuffs out of the box and reading the descriptions of them. We were enthralled.

At first, we were eating the desserts and chocolates that were left here after Christmas Day ended so abruptly. But now that Ryan25 is forcing me to watch Breaking Bad from the beginning, it was time to start sampling the goodies. Instead of a redneck Christmas, it’s a redneck new year!

This was the first one. Not bad.

The Chex Mix was good. I was frightened that it’d be really sweet, because the word on the streets is that Americans add sugar to everything. But this was a nice crunchy bag of bite-sized bits that I worked my way through over a couple of nights. I googled and apparently some of the things in it are a breakfast cereal.

Moon Pie.
Fatter than a Wagon Wheel and just marshmallow in the middle.
No jam.

Next up was the Moon Pies. David26 and I unwrapped one each, then bit in.

OMG!!!! The biscuits surrounding the marshmallow (so much marshmallow!) AREN’T CRUNCHY! It was like biting into a sponge cake. In itself, that’s not a bad thing but when you’re expecting a cookie-like consistency it takes you a couple of seconds to adjust.

Action shot… before and after.

Of course it was sweet but not overly so. After we finished laughing at ourselves for our reaction to the soft consistency, we finished them up and agreed they were ok. There was enough sweetness to make you feel that you’d had a treat and they didn’t leave you feeling full. Definitely handy to have around when you need a slight pick-me-up mid-afternoon.

We’ve yet to try the other delicacies on offer. We have panettone here as the boys are half-Italian, but I haven’t had it for years. (I call the boys Kangaroochee’s, a mix of Aussie and Italian.)

I don’t mind admitting that the dried pork crackling makes me slightly uneasy. David26 was reading the part on the package where it says that it’s ‘great for cooking and snacks.’ He looked at me and said, “HOW could you use this in cooking???”

Safe to say we’ll be eating those bad boys as snacks.

This has been so much fun. It reminds me of when I was in the supermarket in Pyongyang, North Korea, choosing snacks to eat on the train trip home. There was nothing familiar. All I had to go on was the pictures on the packaging. This is a similar experience. “Which one will we try now??”

Anyone who isn’t familiar with Mr and Mrs Groovy needs to jump across to their blog and have a read. Their story about coming later in life to FIRE is absolutely inspiring. The fact that they both have great senses of humour is an added bonus. It’s a fantastic blog written by lovely people. Well worth the time.

I thoroughly enjoyed my day with them and I hope one day to make it over to North Carolina to see Groovy Ranch in person. In the meantime, in case I feel like I’m missing out on being in the American South, I have some authentic pork crackling snacks to tide me over.

I’ll be travelling through my tastebuds!

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