Financially Independent, Retired Early(ish) at 57.

Category: FIRE as a single. (Page 3 of 9)

A petrified forest, a blowhole and a walk down memory lane.

The man in the motel in Portland told me to back-track a little and to go and see the Petrified Forest. After I checked out, I raced down to have a look.

You park your car and walk along the cliffs to see it. On the way, there’s a fork… right to see the Blowhole and left to see the petrified forest. I decided to save the Blowhole for the way back.

I was a bit sad to read the explanation of how these tubes formed. It’s much more romantic to think of trees being slowly buried, rather than being all drippy and watery things making these strange tubes.

It was an eerie sort of place. I was the only one there and it was blustery and cold.

It was definitely the perfect place for a wind farm!

Looking out towards Antarctica again…

I walked around for a fair while, feeling all broody and mysterious, and then I walked back to see the Blowhole. I was so glad I did.

This was taken from the lookout. The waves smash into the cliffs and they rise up. Every now and then I could feel light spray on my face if the wind happened to be blowing in the right direction. The sound was amazing and it felt so wild and free.

I glanced at my phone and saw that it was morning recess time at school, so I texted a few people at work with this photo. The contrast between the crowded staffroom and this isolated place was huge.

I stopped the car to take this photo. The fence was hung with shoes for hundreds of metres.

Then I headed into Port Fairy for lunch. Found a nice little bakery and had a lovely lunch. Then I went out to explore.

I was in two minds about how long I should stay here. I was looking forward to seeing this place. Everyone says how pretty Port Fairy is and I was keen to have a squiz. I was going to book a lace for the night so I could really have a good look around.

But honestly, it was really boring.

Sure, there are plenty of pretty little cottages but most of them are privately owned. The lighthouse walk was closed because they were resurfacing the path, so I drove around for a bit, looking at the picture-postcard cottages, then yawned and headed off to Warrnambool.

I was meeting a blog reader for coffee there!

Loretta has been reading the Frogblog for years and was also a member of Simple Savings, so we knew we’d have a lot in common. We met at a café by the beach and talked our heads off and then went for a walk along the boardwalk.

“Now that we’ve met each other and we know we get along, would you like to come back to our place for dinner?” she asked as I was huffing and puffing along beside her. I’m slowly getting fitter but it’s clear I need to make more of an effort!

So off we drove. On the way, I rang Ryan26 and told him where I was going – safety first! (I could see that Loretta was ok, but what if her husband was an axe murderer??? ) Only joking, but as a single woman travelling alone, I sent Ryan26 texts everywhere I went. He must have loved being in so much contact with his Mum…

I had the loveliest evening with Loretta and her family. When we got there I met the dogs – it was so good to see some waggly tails again. Her husband made dinner for us all and he cooked the most tender steaks I’ve eaten in years. Paired with home-grown potatoes, which, when I got home, made me start harvesting mine. It’s too easy to forget them when they’re under the ground.

When it was time for me to go, she walked me down their driveway to the car parked on the street outside. You forget just how dark it is out in the country. She said that she and a friend take walks in the evening all the time. I’m sure I’d fall down a hole and break my leg in the first 5 minutes if I tried that. It was pitch-black. She’s an intrepid woman.

The next morning I was on the road again, heading back to the Port Campbell area to see the 2 sights I didn’t see on the way up, due to rain. Here’s the Bay of Islands.

Beautiful, isn’t it?

The sun was shining over me and in the bay, but the grey clouds were gathering behind me. I stayed savouring the view for quite a long while, then jumped back in the car to go and have a look at the Bay of Martyrs.

By the time I got there, the sun had moved on.

So had the rain. Towards me.

I ran back to the car. I didn’t get too wet.

Then I drove on.

The rest of the day was me basically driving juuuust ahead of the rain. The Great Ocean Road ducked inland for a bit and I suddenly realised that I was getting low on fuel. There was a tiny dot on the map in the middle of nowhere that had this petrol bowser outside a shop. I thought for sure that it wouldn’t be operational but thank goodness it was. Saved my bacon!

They’d just filled the bird feeder out the back before I arrived. We get lorikeets at home but we don’t get rosellas. Pretty, aren’t they?

Lots of twists and turns but I was listening to a shockingly bad audiobook, (Hamish McBeth – don’t even go there) so it helped take my mind off the awfulness.

By the time I reached Apollo Bay I’d pulled ahead of the rainclouds a bit.

WHAT a beautiful place!

I tried to capture the turquoise water but my iPhone camera doesn’t do it justice. There’s a lovely beach so I took the chance to walk along it.

I met the beautiful Heidi. She made me miss my snag, Scout. Heidi was just as tiny as my girl.

By the time I’d finished my walk, the sky was beginning to darken. Time to push on.

The drive along the Great Ocean Road was so weird, because the sea was 2 different colours. I’ve caught it here. Right where I was driving was the line between the rain and the sun. The left is bluer than the right, can you see?

Then I came to Lorne and I as I was driving through, I passed a place that I haven’t seen since I was 18. I did a u-ey and drove back.

There’s a caravan park beside a bridge on the foreshore. It has a creek going through it.

At the end of year 12, back in 1981, we all drove down here and camped for a week in tents by the creek. This is exactly where we were.

Nowadays they’ve got cute little cabins, but back in the day it was just our tents, then caravans further back. We had such a good time!

I took a short walk along the creek bank, being mindful of the rain chasing me. All I could hear was the sound of the water and birdsong. It was beautifully calm and peaceful.

One thing that I found out about when I was doing my all-too-quick research about what to do on this trip was the ferry from Queenscliff to Sorrento. Rather than driving through Geelong and then battling peak hour traffic all the way through Melbourne and then around to the bayside suburb where The Best House in Melbourne is; I could drive to Queenscliff and take a short ferry ride to the Mornington Peninsula, then have a 30 minute drive home.

I was excited to try it. Every ferry ride I’ve had has been fun. What an exciting way to end the holiday!

I was lucky enough to arrive 5 minutes before it was due to leave, so I drove straight on. I went up to the deck to get the full experience of what was sure to be a dashing ride across the bay.

Here’s a photo of the most boring ferry ride ever. Honestly, I think I could’ve swum quicker than the ferry. It slowly chugged chugged chugged its way through the water while I gave up and turned to the book in my bag. It was far more interesting.

And then home I drove. The dogs were ecstatic to see me and so was Ryan26.

“The dogs are SO ANNOYING!” he said. “They’re so clingy. They’ve got to be with you 24/7. I never thought I’d say this, but when I leave home I think I’ll get a cat before I get a dog. At least the cat will come up and want a pat, but then it’ll leave me alone!”

But that’s the best part of being home again. 🙂

Costs of the Trip:

Running total: $2,096

Costs of Day 9 :

$108 accomodation. (No bowl supplied here either.)

$12 lunch

Total for Day 9: $120

Costs of Day 10:

$88 fuel

$5 lunch

$69 ferry

Total for Day 10: $162

Total for the trip: $2,378

That’s not too bad for a getaway like this. (Though as Dave from Strong Money Australia asked me on Twitter, “What are you getting away from?” LOL.)

If you take away the $1,100 painting I bought, it’s only $1,278, which equates to an average of $127.80/day.

These figures are slightly smudged by the fact I used my timeshare for 5 nights’ accomodation. I pay 1K/year for costs for the timeshare, but because it is calculated by points rather than by weeks it’s been used for a fair few holidays by the kids and now me. The points blend into each other year by year.

In fact, I’ve just booked a 2 night break (from what?!?) up in the mountains to use up 280 points that are due to expire on June 30. In previous years they’d just have to expire, but now I’ve go the time, by God I’m going to use them up!!

Penola, a saint and a sinkhole.

I stopped in at Penola for lunch, and while I was walking around I saw this sign. Petticoat Lane. How could I NOT take a look here?

Apparently this street got its name because in the 1890’s so many girls were born here. It has quite a few National Trust houses and one of them was open.

Gammon Cottage’s front gate was ajar so I prowled around the yard. It even has the old well!

Have a read in the next photo of what happened to the builder of this cottage when he went to find gold!

Not everyone who went to the goldfields had a rollicking good time.

This is one of Sharam’s cottages. This couple had so many kids that he had to build another house next door, just to house them all.

This reminded me of Wordworth’s cottage in the Lake District.

The roof was only just above my head and I’m only 5’2″.

And people have the gall to say that I have a large family. Compared to this couple, I was positively restrained! Only 4 boys.

At least the poor woman ended up with one nice room.

This is inside the original cottage which was only divided up into 2 rooms. As you can see, the wall didn’t even go up to the ceiling. Not much privacy going on here…

But look! At some stage she got a pump to get water instead of a well. LUXURY!

The garden out the back is still run by volunteers. There was a woman working there when I walked through and we started chatting. At first she was merely polite but when I showed that I recognised most of the herbs growing here, she warmed up and I walked away with a packet of lovage seeds from the garden. I’ve never grown lovage before. Its like a strong tasting celery.

Growing food means that you can bond with people wherever you go.

Next door was the McAdam slab hut. Anyone who wants to romanticise the lives of the pioneers should have a quick look inside this place.

I would NOT have been happy in this place. Can you imagine the wind whistling through all of those cracks in winter? Plus every neighbourhood Peeping Tom could be glued to your every move and they wouldn’t miss a thing.

Penola also has a museum dedicated to St Mary McKillop. She started off her teaching here and due to her efforts, Penola had the biggest library in South Australia outside of Adelaide. I guess that’s what happens when you raise the literacy level of an entire district by educating every child, not just the rich ones. People need reading materials, once they know how to do it.

I knew very little about Mary McKillop, aside from the facts that she was on the $5 nots and that she’s Australia’s first Catholic saint. I don’t have a religious bone in my body. I decided to invest $5 in an entry fee to the Mary McKillip museum and see what I could find out.

First I went to the church where they have this little ante-room where you can have a chat to her, if you’ve a mind to.

I went to the museum but the only new information I came away with was that she and her fellow nuns were excommunicated for a while. Can’t remember why, but the bishop who did it reconsidered on his deathbed and lifted it.

The $5 fee also allowed entrance to the schoolroom where Mary and her fellow sisters taught school. It was all a bit interesting but for me, once is enough.

I jumped in the car again and made it back to Mt Gambier. I drove around the Blue Lake again, then headed for the Umpherston Sinkhole.

This was originally just a huge hole in the ground but the guy who owned the land back in the 1890’s decided that summer in South Australia was too damned hot. Why not build a pleasure garden down in the big hole where it was so much cooler?

It was about 4PM when I arrived.

You walk along the top of it…

… and then you see this.

Down the steps you go.

View from halfway down the steps.

Imagine being able to punt along in your own lake…

I wandered around here for. little while, then decided I could push on a little bit longer. It was that time of day when it was too early to think about stopping, but too late to think about driving for too much longer.

I saw some cool things as I drove along to Portland for the night.

There were contented cows.

This farm decided to put old bikes at the entrance and up the driveway. I suppose that’s one way of making sure that when they give directions to their place and say, “You can’t miss it,” then they’re correct.

Lots of pine plantations. It worries me to think of bushfires happening here – pine trees go off like rockets.

I got in late-ish to a cheap and cheerful motel. One thing I’ve found about motels for around $100 a night – they don’t include bowls in the crockery they supply. So annoying if you’ve planned on making oats for breakfast and you have a sneaky tin of baked beans to have for a dinner.

But I wasn’t going to let them steal my rights and repress me. If I want a disgustingly cheap dinner in a sad motel room then I’m going to have it, dammit!!

Baked beans in a mug… mmm mmm!

The dinner of champions.

Costs of the Trip:

Running total so far: $1,935

Costs for Day 8:

Entrance fee for Cave tour: $35

$13 lunch

$5 St Mary McKillop musuem

Accomodation: $108

Total for Day 8: $161

Running total: $2,096

Cars and Caves.

Cute car.

When I was a kid we’d go to vintage car rallies ALL THE TIME. Dear God, it was so boring. My Dad was a Riley enthusiast – beautiful British cars. Dad has a 1930 Riley 9, a Drophead and a couple of others. My first car was a Riley Elf, which is basically a mini with a Riley grill on the front.

We’d drive to car parks/wineries/paddocks/whatever. All of the Rileys would line up in a row and the men would crawl all over them, the women would pull up picnic chairs and chat and the kids would be bored. I think this is when my addiction to reading became cemented.

So when Jenna’s parents suggested that we go to a car rally in a town on the peninisula, I inwardly groaned.

But it was actually quite fun.

Red Morgan. LOVE!

I think the difference was that it was a huge mix of different cars and they drove down the main drag of the town in a procession that lasted around an hour.

Black corvette.

Jenna’s parents and I drove to a mid point to meet up, then I hopped in their car and off we went. No, the corvette is not their car!

We found a spot at a table under a verandah and settled in to watch the parade.

Cute cop car.

There was everything from a model T Ford, dune buggies, Morgans, VW combis and beetles, muscle cars, sedans – something for everyone.

Red 3 wheeler.

There was even this 3 wheeled thing!

For a while I stood on the kerb with Andrew and watched the parade, looking for any Rileys, but after a while I got a little bored and thought I’d better go back and sit with Ann-Marie.

We were chatting away when I glanced over at the parade. A car was smoothly driving past with a silhouette that has been ingrained on my psyche since childhood.

“Holy shit, that’s a Riley!” I exclaimed, ever the lady, and I leapt up to join Andrew. I was ridiculously excited.

There were about 5 or 6 of them, one of them a mint-green Riley Elf. I could’ve taken photos but I called Dad instead and described what I was seeing. He was reliving his glory days as I was talking. It was pretty special.

Then we went to a winery for unch. I thought I did pretty well to get to pay for their lunches – I’ve learned from David27’s “in-laws” that you have to be quick to stop them paying for everything. Jenna’s parents are the same.

I sneakily overheard what they were going to order, then made sure I was ahead of Ann-Marie in the queue to order. When I ordered my meal, then went on to list theirs, I heard, “Oh you better not!” behind me. I put my card on the payment thingy, then turned around and said, “OMG, my card just slipped. Oh well…”

I thought I got away with it too, until we went to another winery for a wine tasting and I raved about a shiraz that was priced in the 3 figures and made them taste it. Guess who went home with a bottle of it? I’ve told them that they’re invited to my 60th and we’ll all crack it open then.

It’s so nice to see that my boys are choosing to be with partners with such lovely families. Andrew and Ann-Marie let me stay with them Friday night and they gave up their Sunday to spend time with me. That’s going above and beyond! I’m looking forward to enjoying that bottla wine with them in a few years time.

Pretty house.

Monday. Time to start heading home. I had no fixed plans, other than wanting to see the Ulpherstone Sinkhole in Mt Gambier that I missed on the way up – and I knew I wanted to spend ages in Port Fairy. Everyone says how pretty it is.

I wanted to learn from the mistake of my rushed trip over and take my time on the way back.

As I headed out, I thought I may as well drive up to Murray Bridge and have a look at the river. Why not? I put a generic address into the TomTom, ( 1 Main st / Smith St /First st ; whatever works), and I set off.

Then I started seeing signs to Harndorf.

I’ve been hearing about Hahndorf for 17 years. It’s the first German settlement in Australia and every year the German students from our school would go over there for an excursion and report back at the next General Assembly.

I had to see it for myself. I wanted to follow my nose home and this was an ideal place to start.

Pretty restaurant.

I pulled up in the Main st and parked outside an art gallery. Following my nose, I walked in.

And you wouldn’t believe it – I finally found the perfect painting for my dining room. I’ve only been living here and looking for the last 5 YEARS.

It’s absolutely nothing like I thought I’d buy. The subject is SO not me, it’s smaller than I visualised and the colours are different to what I was looking for, but when I saw it I knew it’d fit really well. So $1,100 lighter I walked out of the shop.

What are the odds? I had no plans to go to Hahndorf and there just happened to be a spot for my car directly outside the gallery. The painting had been put up less than 24 hours before I arrived. Maybe it was meant to be?

It’s being delivered sometime this week. If it looks awful then I only have myself to blame.

Bust and a row of sketches.
Hans Heysen – bust and sketches.

Look who I found in the museum behind the information centre!!!!

Remember when I showed you the picture of Ruth by Nora Heysen? Here’s her Dad – the way famous one of the two of them. The bust is of him and the sketches are his.

I like how when you travel in an area, the stories loop around. It reminds me of when Scott and I were walking on the battlements of Lincoln Castle, listening to the guided tour through our headphones, when I suddenly heard that Henry VIII and Katharine Howard had walked along the very same stones I was walking on. I’ll never forget the unexpected thrill.

Photo of Prince Philip looking interested.

Speaking of royalty, the museum behind the information centre was tiny, yet Prince Philip had visited it. One huge advantage to being a working royal is the amount of travel you could do. Imagine all the countries he must have seen? But imagine all the hours of tedium he must have gone through as well. No wonder he sometimes said the odd non-PC quip.

Exquisite lace collar.

In its day, the building was a school for boys and also a hospital. Look at the lacework, or is it tatting? This was on a maternity dress. I think I’d go blind, squinting, if I tried to do this, though I have some tatting that my great-grandmother did. Amazingly detailed.

Hahndorf was a very pretty little place. A few shops had jolly German music spilling out onto the street as thr tourists walked by. It was still school holidays in South Australia so there were a fair few people about.

Scott suggested that I mark all the school holidays in my calendar at the start of every year so I don’t make the mistake of travelling while the kids are free. I’m going to have to mark every state’s holidays, I think.

Murray River.

Then I drove to Murray Bridge.

Here’s the river Murray. It’s long. It’s wet. I had a look, ate lunch and drove on. I was aiming for Mt Gambier but then, as it was getting to late afternoon, the heavens opened up. I drove into Narracoorte.

There was a huge sign on the highway just before you enter the town, spruiking their caves. I vaguely remembered that Narracoorte was way famous for its caves, so I thought I’d get a cheap motel, stay the night and have a bit of a look around underground the next day.

Giant extinct wombat.

When I reached the caves the next day, I saw another instance of stories looping around. See this massive Diprotadon? Otherwise known as a giant wombat. What does he look a bt like?

My sculpture.

Remember my sculpture that I bought from the arts festival, thinking that it was going to be my only souvenir? They look like they might be cousins.

Beautiful cave.

The Narracoorte limestone caves are a world heritage listed site. They offer a few different tours but the lady in the information centre said to go on the fossils tour, because that is why they made it to the heritage list.

Don’t make the mistake I did and assume that the caves would be chilly. I wore my duckdown coat. It’s actually really warm down there.

Stalactites in a row.

See how the stalactites are hanging in a row here? Our guide said that in the early 1900’s guides used to clamber up there and ‘play’ the stalactites like a xylophone for their customers by hitting them. Sometimes one would break. Can you believe it???

Incidentally, I learned how to remember the difference between stalactites and stalagmites. Stalagmites MIGHT reach the roof one day, while stalactites have to hold on TIGHT to the roof to stop from falling.

Never say that this blog isn’t informative about the issues that matter!

Hole in the roof.

This fascinating photo is of a hole in the roof that leads up to the ground. This one was man-made to get all of the rubble out so that the tours like the one I was now on could be made. These also occur naturally, which is how the fossils have ended up in the caves.

Animals (and people, probably) would be innocently walking along and then fall down these shafts into the caves below. Some died immediately, but others survived until they died of thirst. They know this because they have complete skeletons of animals who look as if they’ve just curled up and gone to sleep, but with bones that have started to heal from their initial fall.

Drop bear skeleton.

This guy is a literal drop bear. Yes, they used to exist! He was some sort of carnivorous koala-type.

Nasty claw.

See the massive claw on his opposable thumb? Imagine that slicing into your soft underbelly?

Kangaroo bones.

This one was a kangaroo, but with only one toe. I took this photo to show you, but I like this next one a lot better.

Shadow on the cave wall.

That shadow is very Star Wars, isn’t it?

The caves that were initially found were just open caverns full of the rock formations, but then a couple of cavers found their way into some massive caverns further in that were jam-packed full of bones and fossils.

Bones scattered on the cave floor.

These are real bones that have been left as they were.

Behind the cave where we were standing is a massive cave where they’ve removed a small section of bones to study. They plan to leave the rest where they are for as long as possible. Our guide, who is a palaeontologist herself, said that they’ve removed enough bones and other material to keep many universities busy for decades. Maybe by the time they need to take another look, they might have technology that can study what’s in the caves but be able to leave everything untouched.

It’s an interesting thought.

Country road.

And then I was off and away. I pointed the car towards Mt Gambier and off I went. It was just before lunch and the day was still young!

Costs of the trip:

Running total so far: $665

Costs for day 6: $85 for lunch.

Costs forDay 7:

$1,100 painting

$10 lunch (Subway – eat fresh.)

$69 fuel

$91 accommodation

Total for Day 7: $1,270

Running total for trip: $1,935 (Yikes! I hope I still love this painting when it arrives!)

Where we arrive at the extroverted part of the holiday.

I’ve had 4 or 5 people contact me to ask whether I’d died in a fiery car crash on my holiday – some asked it more tactfully than others! – so I thought I’d better get back into the zone to write. I’ve been busy finishing off a quilt, reading, having a rapturous reunion with the dogs (and with the boys, of course!)

LOOK at this beautiful painting. After I finished looking at the Antarctica exhibition at the Adelaide Art Gallery I walked into the next room, just in time to join an hour-long tour, looking at 10 Australian works of art. Exactly the amount of time I needed to kill before I walked back to the restaurant to meet up with the FIRE bloggers for lunch.

This painting wasn’t one of the 10, but it was hanging on the wall near the UGLIEST cabinet I’ve ever seen – which was one of the 10. So while the tour guide was waxing lyrically about the ugly 1930’s cabinet, I was gazing at this. If it was in a different art gallery – one where you could actually buy the paintings – I’d buy it in a shot. I’ve been looking for a painting to hang near my dining table for the last 5 years. And here it was – unattainable. Still, I thought, at least now I know the colours I’m looking for. (More on this later…)

Nolan’s ‘Narcissus.’

This next one made me chuckle. It was in the Surrealism room and is Sidney Nolan’s take on the greek legend of Narcissus – the boy who was so good looking that he fell in love with his own reflection and starved to death beside a pool of water, because he couldn’t bear to leave the beautiful face he saw in the water.

This was the most beautiful sculpture. It’s called ‘Kathleen’ and was made by Marjorie Fletcher in the 1930’s. There’s all this talk about women’s art not being appreciated in their lifetimes, but sometimes not even THEY appreciated it. She worked in sculpture for around 10 years, then got married and had a family and shoved all of her artwork into a cupboard under the stairs. Over time, her work was given away, left out in the hard rubbish and generally spread far and wide. This one was found by her son, who’s made it his life’s work to track down his mother’s art and bring her the recognition she should have received. I loved this figure.

Nora Heysen’s ‘Ruth.’

Nora Heysen had a way famous artist father – Hans Heysen – but in the end she won the Archibald prize while he never did. I can’t remember the woman’s name in this picture, but she used to sit for Nora quite a lot and they became good friends. One day Nora asked her if she would let Nora paint her in the nude. The woman got up, left and never came back.

I saw this fine fellow on the walk back towards lunch. There’s something distinctive about a well-defined chin, don’t you think?

A couple of weeks before, I’d let Michelle from Frugality and Freedom know that I was coming to Adelaide. She’s exploring the boundaries of what FIRE really means, by freelancing and travelling the world, basically living life on her own terms. Ahhh, the freedom! Covid clipped her wings, so she’s biding her time in her hometown of Adelaide until things open up again.

She put the word out and three more bloggers joined us for lunch.

Captain FI is a pilot who’s normally in Sydney but he happened to be in Adelaide visiting family, so we got to meet him. He’s MUCH more numbers-based than I am, though I suppose you have to have that sort of brain to understand what all the dials and gadgets on the aircrafts’ dashboards are all about. You definitely wouldn’t want someone like me behind the controls of a jet.

He’s just done a post on payday lenders and I really liked this paragraph – “This is why the grassroots Financial Independence movement is so important, and can be so powerful. If we can spread the message of financial health and wellbeing, then gradually these unethical pay-day-lending companies will go out of business.”

The other two bloggers were Sarah and Laura from Keepin’ it Frugal and the booming food blog Wandercooks – I’ve linked to the recipe that we went shopping for after lunch to buy the essential ingredient that I’d never heard of – nduja.

Blog-meets are always a success. You all have things in common, otherwise we wouldn’t be reading each others’ blogs, and so the conversation flows right from the start, with very little of the whole awkward “getting to know you” stuff. After 3 days on my own, otherwise known as indulging my introvert side, I was ready for a few days of talking and laughing with other humans.

After lunch I drove to Jenna’s parents’ place. She and Evan24 have been going out for 3 years now and I was going to stay at her folks’ place that night, after going out to dinner with Simone, an old school friend that I haven’t seen for FORTY YEARS.

omg.

I can’t be that old, surely?

It was either going to be a great night – we were really close back in the day – or incredibly uncomfortable with lots of pauses and dull questions about our children and how they were going, just to fill in the space of the silence. You know the sort of thing.

Fortunately, it was great! We actually walked past each other on the street. To be fair, 40 years is a long time. But once we turned around at the same time and started laughing, the evening just flew.

She lives in Melbourne, like me, after having spent most of the intervening years living in Japan, South Korea and the US. She just happened to be in Adelaide for work and so we caught up there. It’s lovely when you meet up with someone you haven’t seen for ages and it’s almost as if no time has gone by.

The next day I drove to Victor Harbor to meet up with yet another person I’ve never met in real life. Extrovert Frogdancer was 2 days into a 3-day people-fest. This time I was meeting with Lara and her husband. We both belong to a couple of investment groups on FaceBook.

Again, I didn’t know who I was looking for, as she doesn’t have her real photo online, but I recognised her dog, so all was well. We had a really pleasant lunch at a café on the foreshore and then after lunch we walked back to my car so I could show them the sculpture I bought. I was in a bit of a tizz because my car was refusing to lock itself. The battery in the cha-ching thing that opens the door was dead and my car door handles don’t have keyholes.

Lara suggested calling around to see if any local locksmiths were still open on a Saturday afternoon. Talk about good old fashioned country service! The locksmith I talked to suggested I drive to Repco and get a battery there. Took 5 minutes for them to replace the battery for only $7 – and a spare battery. The place at home that I’ve been going to charges $10 per battery.

I’ve never enjoyed locking and unlocking my car more.

A whopping big tree.

After I sorted out the battery problem – thanks Lara! – I headed to the little beach outside of town to look around. On the way I saw a quilting shop so I popped in and bought some fabric for a quilt I’m going to make for another old school friend. Simone and Cathy and I were all close, back in the day.

It was a cool, quiet afternoon. I walked along this little jetty and watched people fishing. The waves were lapping against the rocks…

… which were clearly popular with the local seagull population.

Then, after wandering around there for a while, I jumped in the car and followed my nose in a vaguely southerly direction.

Anywhere that looked interesting, I’d stop the car and have a look.

Then I decided that I’d go down to the bottom of the peninsula to Cape Jervis, which is where you catch the ferry to Kangaroo Island. I wasn’t going to go to the island this time around, but hey! I’ve got all the time in the world now. I’ll come back here sometime.

So I drove through winding roads wth cows, sheep and, once, a herd of goats dotted around the countryside. The area had had a bit of rain so, unusually for Australia, the paddocks were green and lush. I was listening to a really good audiobook ($20 off my challenge!) and all was right with the world.

I got to Cape Jervis just as the sun was going down. There was only one other car at the lookout. The man behind the wheel was looking at the view without getting out of his car, but Frogdancer Jones is made of sterner stuff.

Besides, I wanted to get a shot of these two.

I stayed here for quite a while. It was beautiful. So still and clear.

Then I jumped in the car and drove back to the timeshare in Normanville. Tomorrow I was off to a vintage car rally with Jenna’s parents!

Costs of the trip:

Day 1 cost: $272

Day 2 cost: $67 fuel.

(That’s it. I ate my food I brought from home and basically just drove all day to get to the timeshare.)

Day 3 cost: $70 sculpture. (I’m so happy I bought him. I absolutely love him.)

$9 lunch. (A bagel from the local bakery.)

$33 food for dinners and breakfast in my room.

Total for Day 3 – $112

Day 4 cost- $35 gifts. (For Michelle and for Jenna’s parents.)

$31 parking. (Ouch. Missed the earlybird parking at the market by 15 minutes.)

$12 lunch (Frugal FIRE bloggers lunch.)

$50 dinner (Non-FIRE friend dinner.) 🙂

Total for Day 4 – $128.

Day 5 cost – $7 car lock batteries.

$79 quilting fabric for Cathy.

Total for Day 5 – $86

Running total for the trip- $665

Art, art and more art – plus a Blue Lake.

Kangaroos on the golf course.

Today is the day where I learned a really big lesson about the difference in mind-set between being retired and being on holidays from a job.

Two days ago, I planned to stop at Port Campbell to see all the sights. I’d drive in the morning, then have all afternoon to scurry around. The next day – (Wednesday)- I had to be tucked up in bed in my timeshare, because I’d booked my stay to start that night.

8 hours of driving…

What was I thinking?

Well, I know now what I was thinking. It was the usual “don’t waste precious time on the journey!!! You have to go!go!go! to get there asap! There’s no time to waste!!!”

But of course, that’s simply not trie anymore.

It only dawned on me when I was at The Blue Lake in Mt Gambier.

This was one of the “must-sees” for me on this trip. I have a vague memory of coming here when I was a kid and I thought Mt Gambier would be a good place to stop for lunch. I’d see the lake, the Ulpherstone Sinkhole, maybe take the walk around the lake and then head off on my merry way.

But when I got there at midday, it was raining.

I sat in my car on the other side of the road and read a book while I waited to see if the rain would stop. There was a break in the clouds. I dashed out and stepped up to the lookout and snapped the photo above as the rain clouds swept in again.

Odd to think that this was once a volcano.

Then, after a little while, the sun came out. I drove around to the other side of the lake and finally – it was blue.

Same lake, same day, with the sun out.

The nice woman at the Tourist Centre told me that if I was lucky enough to see it when the sun was out, I should look at the edges. There’ll be turquoise colouring there. She was right. I tried to capture it but the camera couldn’t pick it up. It was beautiful though.

Here’s where the learning happened. I wanted to take the walk around the entire lake. The sun was out – it’d be nice. Then it dawned on my that if I was going to get to Normanville at a reasonable hour, I simply didn’t have the time. I also didn’t have the time to visit the Sinkhole or anything else.

The penny dropped. Why was I racing to travel there? For the first time ever, I have enough time at my disposal that the journey can now become PART of the destination.

As I drove out of town the rain clouds came back and it started to bucket down. At least I wasn’t walking around the lake and getting saturated.

Coonalpyn silo.

If I’d done my research properly I’d have been expecting to drive past this, but as it was, it came as a wonderful surprise.

One day I’m going to do the Silo Trail.

I arrived at Normanville after dark, a bit relieved that I hadn’t hit any kangaroos or wallabies. There were a few sad bodies on the side of the road every now and then. I lugged everything into my room, has a tin of baked beans for dinner and went to bed.

In the morning I looked at a brochure my FB friend Lara sent me. On Saturday I’d be meeting her for lunch. The Fleurieu Peninsula was in the middle of an arts festival, so I spent much of the day driving around to little galleries and enjoying the creativity and the scenery.

I couldn’t leave this little man behind.

The artist makes sculptures out of old nails, screws, metal and wood. He was sitting outside on a table next to another dinosaur. The other one was pretty, but this one spoke to me.

I already had my souvenir for this trip!

Rapid Bay.

When it started raining again I packed it in and went to a bakery for lunch, then bought cheese and dips for dinners. Because I’m travelling alone, I prefer to be out and about during the day, then in my room at night. Safety first!

Rundle Mall, Adelaide.

Friday was the beginning of the SOCIAL part of the trip. I call myself an extroverted introvert, so this trip was bookended by lots of alone time, while the middle 3 days had actual people that I’d be seeing.

I drove up to Adelaide to see some FIRE bloggers for lunch. To while away the time before we were ue to meet, I walked over to the Adelaide Art Museum. My son Tom29 visits there whenever he goes to Adelaide to see his football team play.

Talk about Fortunate Frogdancer!

I get there and ask the nice guard what there is to see.

“In the first gallery we have an exhibition on Antarctica,” he says.

Can you believe it???

They even had a film from the early 1900’s showing an expedition there. The universe is clearly telling me that I’ll get there.

David27 has synesthesia, which in his case means that he sees colour whenever he hears things. This painting is all about that. I sent it to him and he loved it.

I’ve just realised I have to check out in 20 minutes and I’m not ready. I’ll pick this up later.

London Bridge and other sights.

London Bridge.
London Bridge.

At the moment I’m pointing the car towards home and I’m in Naracoorte, but this morning I woke to rain hammering down outside. A perfect morning to do a little ‘catching up’ with you all.

I still have some shots to show you of the first day, when I was in Port Campbell looking at the sights on the coast. When I put up this photo, I wondered if I could find a youtube thingy to show you how London Bridge used to look when it was attached to the mainland. I hit the jackpot.

Imagine being the tourists stuck on the wrong end of London Bridge! I’ll bet they were glad they weren’t walking across 5 minutes later…

It would’ve been a very scary dive down to the sea.

Rock formation and pool below.
View of ‘The Arch’ from above.

The Arch is much smaller.

As I said in the post before this one, the tourist board here has made these spectacular features very accessible to view. I was on the boardwalk looking down at The Arch on my way down to the viewing platform to see it properly. As I leaned over the edge, the wind blew up from this little bowl of seawater and the smell…!

It was beautiful. So salty and fresh. I walked down behind a family with 3 little girls all chattering away to see this:

Picture-postcard view of The arch.
The Arch from the viewing platform.

You can see the bowl of seawater below it. I’ll never forget the fresh, salty tang of that lungful of air.

Even though it was school holidays, there weren’t that many people there. When I was doing my research the day before, lots of articles and posts were warning people to get to the 12 Apostles etc at sunrise or sunset, when all of the big tourist buses weren’t there. But here was I, in the middle of the afternoon, wandering around without too many other people around. I was never alone – which for a single woman travelling alone would have probably creeped me out anyway! – but there was plenty of space for everyone.

It couldn’t have been just the weather – covid is still definitely having an effect.

Waves hitting the beach.
The sea.

As I was walking back to the car park, I tried taking a shot of the waves below, hoping I’d get an accurate picture of the colours. I’m just using my iPhone.

Isn’t it lovely?

The grotto from above.
The Grotto.

And now we come to a place I’d never heard of before I came here – but I LOVED it.

The Grotto.

It was a fair walk from the car park but it was all pretty level until the steps descending steeply to the actual grotto. The chatty family with the 3 little grls was with me again and I overtook them on the path as we walked to the top viewing platform.

Then I went down the steps to The Grotto.

The grotto
The Grotto.

The chatty family and I shared this space for about 10 minutes – 10 LONG minutes. I just wanted them to take their pictures and go away, because I knew that this space would be so serene and peaceful if I could stand there in silence. Eventually the family left and I could let it all soak in.

It’s incredibly beautiful. The rocks lined up at the bottom of the photo are at the top of the fence which protects the pool from yahoos who want to wade in it.

To the left is a little cave, but to the right is the arch looking out towards the horizon. It was quiet, with only the sound of the waves washing in and the cry of an occasional seagull. The tide was coming in.

Even on such a dull day, the light was constantly changing.

More grotto.
Still more grotto.
The Grotto and me.

I stayed there for quite a while, then it started raining, so I decided that I’d seen enough.

There were another 2 sights to see, but I decided to leave them for the way home. I’m planning to drive along the Great Ocean Road all the way to the ferry at Queenscliff.

I hadn’t bothered to have lunch so I was starving. I was parked outside the pizza shop in Port Cambell, waiting for it to open when my phone rang with an unfamiliar number.

**** Here’s the story that I was never going to tell anyone, but it’s too funny not to.

Yesterday, when I was researching the trip, a blog had mentioned a particular motel in Port Campbell as being quite good. I pulled up one of those booking sites, booked a night’s stay in Port Campbell, but when I drove down and went to check in at the good motel, there was no one at Reception and no key had been left for me.

A little miffed , I rang the phone number on the door and the woman who answered told me to take room 7 and to flick my booking confirmation across to her when I had a chance.

I dumped my bags in the room, emailed her and then took off.

The phone call was from her. “Frogdancer, I’ve looked at your booking and you’re actually meant to be staying at a different motel.”

I felt like such an idiot. Thank God I hadn’t used anything in the room. So I left the pizza place, grabbed all my bags and loaded up the car again and drove to the other place. I told the girl in Reception about it and we had a good laugh at my expense.

WHAT a fool.

I went back to the pizza place and bought what might be possibly the worst and most expensive pizza I’ve ever eaten.

Served me right.

Day 1 cost of the trip:

*Food I bought from Aldi for meals and snacks: $60

*Fuel $55

*Accomodation at the second motel: $138

*Unenjoyable pizza – $20

Running total: $273

Can you believe that I saw all of these amazing things for NOTHING? I really want to keep the costs down on this trip – I have Antarctica to pay for, after all.

EXTRA THING – Remember when I wrote an imaginary Money magazine article a little while ago? The Joyful Frugalista sent it to the actual magazine and they published ‘How I retired early as a single mother with four kids‘ a couple of days ago.

The best things in life are free.

The 12 Apostles.
The 12 Apostles.

Yippee!! I’m on holidays!

6 days ago I threw my things in the car, kissed the dogs goodbye and patted my sons – or maybe that was the other way round – and set off. I was on my way to Port Campbell to spend the night.

I don’t want to spend a huge amount on this holiday – I have Antarctica coming up, after all, so I’ve packed food for breakfasts and the dinners I’ll be spending on my own.

As you can see from the photo, the weather was overcast and a bit blustery, but I consoled myself that this makes for dramatic seas, which will look atmospheric and interesting. I chose to stay at Post Campbell for the first night because it’s pretty central to all of the features on the coast that I wanted to see – the 12 Apostles, Loch Ard Gorge etc. I’d get there at lunchtime, dump my stuff in the room I booked, then scamper out for the rest of the day and see everything.

High wooden pickets spoiling the view.
View of the 12 Apostles from the viewing platform – if you’re 5’2″/157 cms. Safety first!!

The drive from Melbourne to Port Campbell is an easy one. As planned, I got there around lunchtime, dumped my bags**** and then headed for the Great Ocean Road. I knew there’d be signs directing me where to go. As it turned out, there was a visitors centre at the 12 Apostles which, although the centre itself was closed, had a huge map on the wall showing exactly where everything was.

Clear view of the 12 Apostles.
Same view, but now I’m on tiptoes.

This is a great place to come to if you want to entertain yourself without spending a heap of money. All of the attractions are free and the whole area is really well set up for tourists. There are walkways, steps down to a couple of beaches and signs detailing the history, flora and fauna of each spot.

If you want to splash the cash, there are helicopter rides along the coast, but hey. What’s the rush? Besides, I took a helicopter trip when I went to Bowral last year, a couple of weeks before our 13-week lockdown hit. So clearly, I’m an expert.

Clifftop view of Loch Ard Gorge.

I went to Loch Ard Gorge first. I remember coming here with my parents when I was about 8 or 9. I think the story of what happened here caught my interest and I never forgot standing on the little beach, looking out at the small gap out into the ocean and thinking about how lucky those survivors were.

Imagine.

You’re on a clipper from England in 1878. You’ve done the 3 months’ long journey, all cramped together, and it’s the last night of the voyage. Finally you’re about to feel dry land under your feet. So naturally, when people suggest that everyone have a little celebration for the last night, you’re all in.

It all ended pretty abruptly when the fog the ship was wreathed in lifted and the captain realised that they were a tad too close to shore. Oops. The ship scraped a reef and sunk in 10 minutes.

Beach with cliffs to a narrow opening to the open ocean.
A narrow opening – no wonder only 2 people were washed in.

Only 2 people survived – a cabin boy who swam to shore into the gorge after grabbing an overturned lifeboat, and a girl who clung to a piece of wood. When he heard her calling out, he went back in to save her. It took him an hour to get her back to the beach. That’s pretty heroic.

In the morning he climbed the cliffs and got help. As a kid, I remember the exciting story of the shipwreck. As an adult, I gazed around at the sheers cliffs and wondered how on earth he managed to climb up and out of the gorge. There were no convenient steps back then! He must have been very fit.

And motivated.

Sheer drop to the ocean.
The edge of Australia.

These are what the cliffs look like here. It’s a sheer drop to the beach. The views out to the horizon are spectacular. I stood there, wind buffeting my face and the tang of the sea air in my nose, looking out towards the line that’s the edge of the sea and sky and thinking, ‘Sometime soon, either December this year or next, I’ll be in Antarctica on the other side of that line.’

I’ll split the first day into 2 posts. I’m due to leave in 10 minutes to go to a vintage car rally at a winery with Jenna’s parents, so I can’t be late.

Port Campbell… to be continued….

**** I wasn’t going to tell this story, but it’s too funny not to, even though I look like an idiot. I’ll tell it in the next post.

A little adventure.

You’d think after having been a school teacher for so many years, I’d be naturally attuned to when the school holidays are. Years of looking forward to them; having to plan holidays when they were on; looking forward wistfully to the time when I’d be retired and could go on holidays any time I want…

So in conclusive proof that I’m not as smart as I should be, a few weeks ago I woke up at 3 AM, decided to check my timeshare to see which properties they had available and I booked a holiday to the Fleurieu Peninsula in South Australia – in the second week of the school hiolidays.

Didn’t even cross my mind to check.

Maybe this proves beyond all doubt that I’ve fully embraced the retirement lifestyle. Or maybe it just proves that I’m an idiot…

After that nocturnal flurry of activity, I’ve done remarkably little further research or preparation for this trip. I’ve arranged 3 catch-ups – one with someone I’ve never met in person, one with Evan24’s girlfriend’s family and one with a school friend I haven’t clapped eyes on for 40 years.

I was vaguely planning to go over there via the Great Ocean Road – another thing I haven’t clapped eyes on for years – but now I’m thinking that overnight accommodation might be hard to get in beachside spots while school holidays are on, so I guess I’ll cut inland for the way over and do the picturesque ocean drive on the way back. The school holidays will be over by then.

I’m looking forward to seeing the Twelve Apostles again.

Doughnut Days* – don’t fail me now! I have to fill out a travel permit to get back into Victoria, apparently. If the borders suddenly slam shut again, at least I have the freedom to kick my heels until they open up again.

I mentioned my timeshare a few paragraphs above. Over 10 years ago, in a moment of complete and utter madness, I bought a timeshare with Accor. The thing that appealed to me about it was that instead of being locked in to one particular property one one particular week of each year, it’s run on a points system with many properties scattered around Australia, New Zealand and Bali.

Since then, after a few holidays when the boys were small, we’ve barely used it. So far it’s been a huge waste of money – but now I’ve retired – by God I plan to use it to its fullest potential!

Last year, just before Covid hit, I went away for a long weekend to Bowral using the timeshare. I had a lovely time, meeting up with a blog reader and poking around in art galleries and just spending some quality time with my good self.

This time, I had 3,300 points that were due to expire in June. This holiday uses up 3,030 of them. This makes me happy. I might book a night in Melbourne and go and see a play or something, just to use up the last 300 points.

So – South Australia means wineries, beaches and fresh produce to me. I’ll be staying down near the bottom of the peninsula, in Normanville, while taking the hour’s drive to Adelaide once or twice to see people and have a look at the city. I’ve only been there once, when I was about 10. I remember liking the taste of the tap water, which astonished everyone else.

Does anyone have any recommendations of ‘must-do and see” things while I’m there? I’ll be there for 5 days, with a day or two on either side for the drive. I’ve stocked up on podcasts and audiobooks (from the library – can’t forget my Quest!) for when I’m in the car, I have around 5 books from the Lincoln Rhyme series to read as well. At night I’m planning to catch up on the second season of Dickinson and AppleTv. My free subscription runs out in June, so I’d better start making the most of it.

So my solitary time in the car and the room is accounted for. Now I need to work out how to fill the days. 🙂 Any advice will be gratefully received.

I’ve decided that when I’m on holidays, my “Low Spend” chart is suspended. There’s no way I’m going to mess with a holiday by limiting the frequency of my spending. That sort of stuff is for the rest of the time, so that when I DO lash out and go on holidays I can do whatever I like with a clear conscience!

This is, I think, the essence of frugality. You pull your horns in for much of the time, only spending on things you need or things you truly value – and because you do this, it gives you the ability and resources to lash out and indulge when you want to. For me, it’s when I’m on holidays.

You should’ve seen me on my 9 week holiday to the UK and Europe. I first planned that trip when I was 15 and I finally went when I was 51. I denied myself NOTHING when I was there and it was incredible. I spent money like a drunken sailor – so much so that I had to send a big box of souvenirs home via post – and I don’t regret a second of it.

This holiday won’t be quite like that, but I’m looking forward to exploring a new-to-me part of Australia. This will be me dipping my toe into the almost infinite possibilities that having total control over my time has brought.

*Doughnut Days are what we call days with zero new covid cases and deaths. We have quite a string of them now, which is why I feel comfortable going interstate.

My (imaginary) Money magazine interview.

Today's beach walk.

I’m not a magazine reader, so it came as news to me when someone on Twitter said that Dave from Strong Money Australia gave a shout out to a few Aussie FIRE bloggers (including me – thanks Dave!) in a Money Magazine story about the FIRE movement in Australia.

Of course, I was anxious to read it, so I downloaded the Libby app and borrowed Money magazine from the library. (That’s another $9 off my “Earn my rates back” reading quest. ) I’d recommend reading the article for yourself, but in a nutshell, they interviewed 7 people who have either finished the FIRE path or are on their way along it. All but one were younger than me and all had different ways of navigating the path towards total financial freedom.

It made me wonder what I would have said, had I been interviewed. I’ve been a single mother for well over 20 years and have brought up my 4 boys on my own, all while working as a secondary teacher. I still have two of them at home with me, while the oldest and the youngest have flown the nest.

I stumbled across the FIRE movement around 8 or 9 years ago by reading a blog called ‘Go Curry Cracker’. I remember asking him in the comments what this ‘FIRE’ acronym stood for. I was 49, I had just paid off the house and was worried about how I could ever possibly afford to retire.

Imagine my relief when I read the famous post by Mr Money Mustache about The Shockingly Simple Math Behind Early Retirement and I realised that by doing what I was already doing – (ie: saving and investing 50%+ of my take-home pay) I was on track to being able to retire at 67 with over a million dollar nest-egg. I could retire at pension age and not need to eke out my life on the pension.

That did it. I was hooked! I wanted to learn all I could about this FIRE stuff. I devoured blogs, books and podcasts. I hate Maths and numerals with a passion, but even someone as Maths-phobic as I am can learn, given enough repetition of the basic concepts.

Last year, at the age of 57, I retired. Ten years ahead of schedule.

I’m not your stereotypical ‘FIREy’ person, being older than a millennial, single with kids, coming from a career not really known for being lucrative and also being female. (And non-American…)

So what would I have said to the Money magazine people if they’d come knocking at my door? Here goes:

Frogdancer Jones* (* not her real name.)

Retired: at age 57.

Lives: beachside in suburban Melbourne with 2 of her 4 sons. Also with her 3 dogs who she possibly loves more than her children.

Career: Secondary teacher.

“I really believe that the secret to becoming financially independent is underpinned by three very important things,” says Frogdancer Jones as she pours a cheeky shiraz. “You have to know what you value in life so you can concentrate your time, effort and money on those things. You have to be able to see the value in delaying gratification – to be a long-term thinker, in other words. And you have to be willing to learn, so that when life offers up an opportunity, you can recognise it and – even more importantly, know what to do with it.”

The last point had a huge impact on the trajectory of Ms Jones’ financial life when, after years of struggling to bring up four boys and pay a mortgage on a teacher’s wage, she grabbed hold of an offer to develop her East Bentleigh property in a much sought-after school zone. This enabled her to release the equity in the property and move to a cheaper, but better, house further away from the CBD.

“Being able to pivot from my original plan to stay there until I was carried out in a pine box saved me having to work for an extra decade,” said Frogdancer. “I would never have had the courage to do it if I hadn’t have spent all of that time reading and listening to people who have already trodden the path to financial independence.”

So what does financial independence and early retirement mean to this early(ish) retiree?

“For me, the security of financial independence is an absolute gift. I left my husband back in 1997 with 4 boys under 5 and $60 cash. There were years of struggling to provide for my boys and pay the mortgage – it wasn’t easy to live off 18K/year of Centrelink benefits until the boys were all in school and I could go back to work. The frugal habits I learned back then have really paid off! If I have to, we can live off the smell of an oily rag. It took me a long time to lose the fear that I didn’t have ‘enough’ to retire on.

“Also, being able to retire at 57 is an even greater gift. For the first time in my life, I can be totally selfish. My kids are grown, I have no grandchildren and all I have to worry about looking after are the dogs and my garden. I can spend my days entirely as I choose – the freedom is absolutely incredible. I can highly recommend retirement!”

Recommended books and blogs: ‘The Millionaire Next Door’ – Stanley; ‘The Simple Path to Wealth – Collins; Strong Money Australia; The Retirement Manifesto; Aussie Hi-Fire and Late Starter Fire.

EDITED:

After writing this, Money magazine heard about it and asked permission to rewrite it into an article. Here’s the REAL Money Magazine interview.

A full year of ‘low-spend’ – and a reward.

Well, people following along at home – I did it!

52 straight weeks of only spending money 3 days a week or less. To be honest, going into 13 weeks of hard lockdown kicked off the winning streak, but then once I had momentum I was loathe to stop it.

I’m proud that I only manipulated my habits once – Evan24 had la birthday and I wanted to shoot him some money. I asked, instead of sending it on Friday, if I could make it Saturday instead, to keep the winning streak going. He laughed and agreed.

Winning strategies?

  1. Starting your spending week on a Saturday and then avoiding shopping over the weekend. (Harder to do with a job.) Then you start each week with 2 success days already under your belt.
  2. Marking ahead on the chart if you’re going to be going out or if there’s an event coming up. You can then avoid using up your 3 days and then getting hit with an expense that you could’ve foreseen.
  3. Making a game of it. Honestly, the world wouldn’t have caved in if I had’ve slipped up. But it’s satisfying to have set the goal for a complete year of disciplined spending and hit it.

So how did I reward myself?

omg!!!!

so excited!!!

Remember how I set the goal to go to Antarctica?

I booked my place on a tour that leaves in December this year.

It’s with the company that I went to North Korea with back in 2018 and their price is 1/3 of the price than if we left from New Zealand – and it’s only a fortnight at sea instead of a full month. I have no idea of the sort of sailor I am. Latestarterfire is coming with me and we’re set to go.

I believe that with vaccinations ramping up, travel will open up pretty quickly. We’re both pretty covid-averse and will wear masks on the plane etc and the ship is requiring proof of vaccination for all passengers and crew. If the tour does end up having to be cancelled, we can postpone our trip to a safer time.

What could possibly go wrong…?

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