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

Category: The ‘why’ of FI. (Page 1 of 9)

Build for the future.

Fruit trees in the front lawn.
The orchard last week, just after everything was planted.

Anyone who’s been reading FI/RE blogs for more than 5 minutes would be utterly familiar with the whole ‘Ant and the Grasshopper‘ philosophy that runs through this way of looking at finances. Bloggers instruct people to utilise these tools: frugality, delayed gratification, increasing income, saving, investing and avoiding lifestyle creep in order to reach the holy grail of financial independence. Work hard now so you have options later! Build for the future!

It’s a theme that runs through many things in life.

Such as an orchard.

In our old house, I spent many years establishing a food forest, complete with chooks, metres of vegetable beds and over 30 fruit trees. When I sold that place and moved down here to The Best House in Melbourne, I had to leave most of that behind. I dragged a few wicking boxes and fruit trees in pots with us, but the carefully nurtured soil and the veggie beds are now buried underneath the townhouses that are now on the block.

Poppy standing in front of the wicking boxes.
The wicking beds are on the side deck. So were the fruit trees.

But the wicking beds weren’t the only things I brought with me. I had a ton of learning and information stuffed in my brain about all I wanted to grow. Those years at the old place weren’t wasted.

Landscaper's plan for the back yard.
The roadmap.

While I was waiting for the property deal to go through, I had 18 months of time where I could plot and plan. I focussed on the backyard first, where I eventually installed 16 metres of wicking vegetable beds, an asparagus patch, areas for a few fruit trees and roofed over literally half the yard to create a huge outdoor room.

Empty veggie beds and paving.
Just after the job was completed. There’s a roof over where Poppy and Scout are standing now.

But the front yard was pretty much left to its own devices. Until now.

My vision for this house has always been clear. I want this place to be a haven and a refuge for my family. I want it to be a place where we can all gather and enjoy our time together. I want the boys- and one day, their families – to to walk through the front gate and know that this is a place where they are welcomed, loved and appreciated.

I want people to open the front gate and be amazed at the beautiful and bountiful oasis that is hidden behind the high front fence, with a mix of blossoms and edibles that are a feast for the eye as well as the stomach. I see some quirky artworks scattered throughout the house and garden, chosen with no one’s aesthetic taste but my own. Hey, being single has to have some advantages!

I’m designing this house and plot of land with a definite eye for the future – just as everyone who is on the FI/RE path does when they encounter these ideas and start to put them into action.

But like everyone on the FI/Re path, I haven’t performed every step towards this orchard perfectly. I’ve made mistakes:

Two sickly looking avocado trees.
oops.

Take these sorry specimens. These are avocado trees that I bought last year. I left them sitting in a old dog bowl that contained a lot of water. They were there for months. I didn’t realise that avocados hate wet feet…

It’s a bit like someone thinking they’re doing the right thing by putting all of their money into term deposits instead of investing. Any vigorous growth that money might have seen is instead cut short and turns all wilty.

I’ve planted them anyway, hoping that at least one of them will come good. If they both die, I’ll plant something else. If only one dies, I’ll drive down to Diggers and pick out another one. They need two trees to pollinate.

Naked mandarin tree.
Yeah… my bad. Should’ve kept an eye on it.

This is what happens when you don’t keep an eye on things. This poor naked tree is a mandarin. I brought it with me from the old house and it was parked among the wicking boxes. I walk past it quite a bit, but apart from noticing that the possums were eating the top growth, I stopped paying it much heed.

Until the day I decided I wanted to create an orchard in the front yard. I went to drag it out of its pot and I gasped. Where have all the leaves gone?!? The lemon tree in the pot next to it, also a tree from the old house, was half naked. I searched the leaves and found some little brown caterpillars, which I crushed.

Exactly like a FIRE person who parks their investments somewhere and then doesn’t keep an eye on fees and charges and other costs. When they eventually wander back to see how their pot of money is going, all the luxuriant growth they were expecting has been eaten away.

The actual plant is still alive, so I’ve put it in the ground, fed and watered it well. I’m expecting that with the added attention it’ll get from being in my direct line of vision ever time I open my front door, it’ll bounce back.

I don’t think I need to extend the metaphor any more. You get the point.

Driving 4 apples and 2 plums home.

On my birthday last week, I treated myself to 2 plum trees and 4 columnar apples. The plums were so large that they touched the windscreen and I had to sit crookedly all the way home. The apples are destined to be planted beside the car in the driveway, as they’ll take up very little room, but I had bigger plans for the plums.

I decided to take over half my front lawn and plant an orchard. I knew that it would look AWFUL in the short-term, especially with the bedraggled survivors from my years of benign neglect. But imagine in the future…

… glossy green leaves and trees loaded with fruit. Underplanted bulbs and flowery shrubs adding pops of colour. Artfully placed sculptures adding humour and life. Old Lady Frogdancer sitting on the verandah with a shiraz or gin and tonic, chatting with a visitor while enjoying the view. People walking past on the street outside, unaware of the beauty hidden within.

The next step – a no dig garden.

After the boys planted the trees for me, I dragged them out again to construct a no-dig garden over the lawn. I’d done this before at the old house for my orchard there, so I know it’ll work. We’d positioned the trees so they wouldn’t shade each other, or the tumbling compost bins, too much, but now we had to kill the grass.

The plan is that I’ll not touch this garden bed until Spring next year, except to kill off any stray bits of grass that might pop up. I’ll let it burble away, creating the rich soil that I’ll plant the flowers in. Both with gardening and investing – things take time to come to fruition.

Mulched garden bed with trees.
Photo taken this morning. 2 avos, 2 plums, a lemon, a mandarin and a blood orange. 4 apples in pots.

I have nothing but time. The edging will one day be made permanent, the apple trees in their pots will be planted on the other side of the yard once I get the new side fence built and painted, the flowers will be underplanted to provide colour and softness to the whole yard and it will all look beautiful.

It’s funny to think that a bit of effort up-front – (two afternoon’s work by David26, Ryan25 and myself) – will be feeding us for years to come. It’s a very satisfying thing to build for the future, whether it be financially or in other, more ‘hands-on’ ways. I like to think that the skills and knowledge I gained from working in the old house is now being passed on to the boys. In the future, they’ll know how to build a food garden. They’ll know how to invest.

And step by step, this place will become the place I’ve envisioned.

Retirement- 108 days to go…

Countdown on the beginning of old films.
Not long to go now…

As of today, I have 108 days to go until I finish work for good.

Yes, I’m retiring.

My friend Scott suggested that I look at working days left, to make it seem even more delicious. Just counted it up. 47 working days to go.

On December 18 2020, Frogdancer Jones will be walking out of the classroom forever to go and live her best life. I’ll be 57 years old, exactly 10 years younger than the ‘traditional’ retirement age of 67 in Australia.

omg. I’ve bought back 10 years of my life.

I’m awash with excitement, anticipation and the tiniest dollop of trepidation. Its a big step, after all.

As you’re reeling back in shock, I hear you ask, “But how can this BE?”

Settle in. Here’s how it all happened:

Kid doing a fist bump.

In August an email went out to all of the staff, asking for our plans for next year. Did we intend to stay at the school, which subjects and year levels would we prefer to teach, would we be intending to take any time off etc. Without really thinking about it, I replied that I’d be working for another year at 3 days/week, just like this year.

In other words, force of habit. Inertia.

A week later, I mentioned to a friend, (let’s just call him ‘the Mayor’), that I’d signed on for another year. It was a conversation over Facebook. His reply?

“Another year. I’m a little surprised. I’ve noted your Covid-related comments and we certainly won’t have dealt with this by next year.”

Now the Mayor is the total opposite to me when it comes to a relationship with Maths. He loves analysing spreadsheets and company financials and everything like that. After my geoarbitrage deal finalised and I had the money from my house sale in my hands, he devised a spreadsheet projecting how my current investments could perform. I was so appreciative – it was a huge favour for him to do for me. So he knows my financial situation.

At the time that he drew up the spreadsheet, he said to me, “You know, you could retire now if you wanted.”

“NO WAY!!” I said. “I just don’t feel safe. “

He chuckled. “You can; you just don’t realise it yet.”

In the intervening years, I worked at making The Best House in Melbourne even BETTER – for Future Frogdancer Jones in retirement. I liked the idea of getting all of the expensive jobs over with while I still had a wage coming in. My post called ‘Why owning a home trumps renting‘ lists all the things I’ve put into this place, plus a few more that I’m thinking of.

After the Mayor’s remark about my Covid-related comments, I started thinking. Was it possible that I could actually retire?

I brought out the old spreadsheets and looked at them, comparing the projected figures with the real ones. I brought up my annual expenses chart, subtracting the costs of all the projects around the house that I’d been doing. I looked at how much I was spending to feed, house, clothe and shelter myself and the two boys I have still living with me.

That figure came in at just over 30K/year. Those meagre years have left their mark – I don’t waste any money on anything that I don’t value. My pleasures are either hellishly expensive (*cough cough Travel*) or are as close to being free that it doesn’t matter.

Hmmmm.

I contacted the Mayor again. Long story short, he’s preparing a document for me to take to a financial planner outlining everything to do with my finances, future plans and goals – all of that stuff.

Turns out I’m going to be fine.

But the clock was ticking at school. Kids were making their subject selections for next year and staffing decisions were being made. I didn’t want to jerk the admin around – getting my job at that school was the single biggest reason that I was able to dig the boys and I out of poverty. I owe the school a lot.

So, once I sat with the decision to leave for a few days and I still felt comfortable with it, I rang my boss.

“OH NO!!” was her reaction. But when we talked about the hows and whys of why I was leaving, there was nothing much else for her to say. She’s not stupid – she knew I’d made my mind up.

So why am I leaving? It’s not simply fear of getting Covid.

F U money.

FU money is a big part of it. After surviving the years at home with pre-school boys when we had hardly two cents to rub together, I’ve been hard at work ever since to do my best to ensure that we were never in that position again.

I’ve reached the position where I feel I have enough.

Enough.

I still love being in the classroom. The kids I teach are lovely and they’re so funny! It’s a rare day when I haven’t had a good laugh in class. I like the idea of going out while I’m still having fun – it’s much better than being ‘that teacher’ – the one who’s hanging on grimly to the job because s/he can’t afford to leave.

What’s getting me down is the insidious increase of admin. As one colleague said to me recently, “Honestly Frogdancer, it feels more and more that we’re becoming data collectors instead of educators.” We’re expected to measure kids’ performances all the time, with results put on tables and studies and projections – maybe the Maths/Science people like it but for me ? For me it’s sucking the soul and the fun from the job.

If I still had a mortgage to pay or debts to get rid of, I’d be staying. If I didn’t have enough to support myself on in retirement, I’d be staying. As I said, I don’t hate everything about the job. Most days are very pleasant days.

But there’s enough on the dark side to make me feel that now is the time for me to leave.

Fortunate Frogdancer strikes again! Going part-time this year, then having to spend months at home on lockdown has shown me that I have plenty of interests to fill my days. As long as the world contains books, the internet, Netflix and the dogs, there’ll never be an excuse to be bored. Spring has begun and soon I’ll be out planting seeds and designing my front yard. Yesterday I ordered $400 worth of fruit trees to plant there. There’ll be fruit to pick, cook and eat for decades to come.

I can’t see overseas travel being a thing for the next couple of years at least, but that won’t stop me planning for my trips back to the UK and Europe when things settle down. After all, I haven’t been to Windsor Castle to see Henry VIII’s tomb yet! Of course, there’ll be domestic travel as our internal borders open back up, so I’ll be well-placed to take advantage of that. (And I won’t have to wait for the school holidays when prices go up and everything is crowded!!)

Yes, it’s a big change. In one way I’ve moved quickly but in another way – I’ve been writing about retirement and financial independence for as long as this blog has been around, and I’ve been thinking and planning for it well before then! This decision has been years in the making.

I’m looking forward to what the next stage in my life will bring.

Squirrel looking triumphant.
December 18 – Future Frogdancer.

In answer to LateStarterFire…

Fast typing.
Ok. Here I go!

A few weeks ago, latestarterfire nominated me for an “awesome blogger award”, where you answer some questions about yourself. True to my lackadaisical attitude towards blogging since lockdown began, it’s taken me until now to answer.

Questions about blogging:

1. Why did you start blogging?

Seeing as I have 2 blogs, I’ll split this answer 2 ways.

I began this blog because I’d been reading FIRE blogs and finance blogs for around 2 years. I really enjoyed it and I learned a lot, but I became increasingly fed up with reading blogs written by young whippersnappers telling me how to do what I’ve already done – and they hadn’t even done it themselves!!!! One day I read one too many of these posts and it pushed me over the edge…

My personal blog, Dancing With Frogs, has been going since September 2007. Yep, I’ve been blogging for a long time. I discovered blogs that year, mainly simple living and crafting blogs and I loved that community. In all that time, I’ve only ever had ONE snarky comment on that blog and my regular readers defended me in the comments. I’m still friendly with several people from those long ago days, though most of them have moved from blogs to Instagram.

2. What do you enjoy most about being a blogger?

I like to write. I’ve tried writing fiction but I’m awful at it. This allows me to connect with like-minded people in a way that’s easy to work in around all the busy-ness of day to day life. I’ve also found that my personal blog is a fantastic resource. For example, I wanted to start soap making again after many years hiatus, and all I had to do was look up the old posts to remember how to do it and what the best recipes were. It’s also really handy when looking at what worked and didn’t work in the garden.

3. What is the hardest part of blogging?

The personal blog is easy – I just walk around with the camera and then write about what’s going on. With the FIRE blog, I don’t want to be too repetitious about the concepts I’m writing about. As time has gone on, I’m taking a more personal approach to the whole FI/RE thing. I hope that my story will motivate someone further back along the trail than I am to keep going.

4. Has blogging led you to other paths that you did not expect? What are they?

One fairly recent one was being asked to be on the panel after the Melbourne screening of ‘Playing With Fire.’ That was a lot of fun – it was a good night. Over the years, I’ve also had blogmeets with various other bloggers. A blogmeet is fantastic – you’ve read each other’s blogs so you already have a feel for the other person. You skip by the ‘getting to now you’ stuff and get stuck into the good conversations.

I was also asked to contribute to a book about Australian FIRE. Each section is being released weekly, so my chapter is yet to be out there, but it’s coming!

5. Have you ever wanted to stop blogging? Why or why not?

Nope. Interestingly though, during the pandemic I’ve radically slowed down the number of posts I write, which is odd really. You’d think with more time on my hands I’d actually write more, not less. Though, looking at my Feedly, I’m not the only one by a long shot.

I really enjoy getting comments and having that feedback from readers. I get it a little bit on Twitter, but I guess I’m an old-school blogger – it means more when it’s a comment on the actual post. I have readers that have been commenting for over a decade on the frog blog – that continuity is precious.

Questions about you:

6. What does your perfect day look like?

Oof.

If I’m on holiday, it’d be a day where I’m seeing new things and exploring what a new country and culture looks like. My 2015 trip to the UK and Europe was a 9 week extravaganza of this – I was so happy! – and my 2018 trip to North Korea was a peek into another world. Fascinating.

If I’m at home, then my life in lockdown pretty much covers it. A leisurely couple of hours on the couch in the morning with my dogs all around me while I read or write; then the rest of the day to puddle around doing whatever I’m “in the zone” for. It could be reading, creating something, gardening, cooking…. whatever I feel like.

Pure freedom, in other words.

7. Chocolate or cheese?

Cheese. That’s why I loved my time in Paris so much – nearly every lunch was a salad with goats cheese.

Having said that though, I wouldn’t ever say no to a Caramello.

8. What is your dream holiday destination / scenario?

I’m a huge English history buff, so when the plane touched down at Heathrow airport in 2015 it was a dream come true. The day we spent at Hampton Court Palace, where Henry VIII lived, still remains as one of the very best days of my life.

Once we can travel again – and I feel safe to do so – I’ll be heading back over there. There’s so much history just hanging around in the UK. I want to read up more about Scottish and Irish history and then go around and see where these people actually lived and hung out. It’s absolutely fascinating to me.

MUCH more interesting than Australian history – convicts, bushrangers, gold and sheep.

9. Who is your role model?

I don’t really have one. There have been so many admirable people throughout history – maybe I just scavenge bits and pieces from lots of different people?

10. What would you advise your 12 year old self?

Not to worry so much about what other people think. People are far too concerned with their own issues so, ultimately, they don’t really care about what you’re doing. Just go your own way, even more than you did, and enjoy life.

Thanks for asking these questions, LSF.

How quilting is exactly like working towards Financial Independence.

Photo of yellow and grey coloured quilt.
Pandemic quilt number 2 – Evan23’s quilt.

It was January, long before the words “global pandemic” were a thing. Evan23 and his girlfriend were down from Ballarat where they’re studying to spend a few days in the Big City and Evan23 mentioned that he’d love it if I’d make him a new quilt. Ballarat is a very cold place.

We picked out a design from a couple of pictures on the internet. I worked out how I could do it, then we jumped into the car and drove to Spotlight to choose the fabric. It was during the massive bushfires – remember those? – and the air smelled faintly smokey and the sun looked a little orange. It was hot.

Once we got into Spotlight with its cool aircon, we were energised. It was exciting. We spent about an hour, circling the fabric stands, choosing, then discarding and choosing some more.

Is this shade of yellow too yellow?

Is this grey too blue?

Which fabric will look good on the back?

Should I do the quilting in yellow or grey thread?

We piled up bolts of fabric, peering at them to make sure we picked the BEST ones, the ones that would go together the best to make the quilt top sing. We talked animatedly, becoming ridiculously picky until we finally made our final choices. It was fun. Our brains were buzzing.

A new project! Always exciting. Things to learn, tasks to do… it’s all go! go! go!

But then the quilt didn’t get finished – or even started – for another 6 months.

Sound familiar? It’s exactly like the process everyone goes through when we first hear about the concept of early financial independence.

It’s new. It’s exciting! It’s a little intimidating… so many new things to learn, to think about and to get our heads around. It’s all go! go! go!

What’s an ETF?

How do I invest in shares? And how does the whole sharemarket thing work, anyhow? Isn’t it too risky?

What’s this Trinity Study 4% thingy?

Why do these FIRE bloggers have such weird names? (But then again, I’m called Frogdancer Jones so I can’t really point the finger at anyone…)

We gobble financial information as if it was candy. Books, blogs, websites… we can’t get enough. It’s like Evan23 and I at Spotlight piling bolt upon bolt of fabric on top of each other. We grab at everything related to financial independence within our reach – tell me more! MORE! MORE!

Pandemic quit number 1. Yes, I got distracted after buying the fabric for Evan23’s quilt.

But then… life happens. No one learns about FIRE in a vacuum. No one quilts or does other creative things in a vacuum either. We get distracted by little things like global pandemics, job insecurity and the everyday happenings of day-to-day life.

Often, people start off all excited, then spend a period of time paralysed by the fear of making the wrong decision. Quilters agonise over colour placement and which order the blocks will go. FI/RE people worry about which investments to buy and the long-term ramifications of what will happen if/when the share market falls. No one, whether they be a quilter or investor, wants to f**k it up.

So we sit. And ponder. And go over in our minds what we ‘should’ or ‘shouldn’t’ do. And meanwhile time and the share market marches on.

This is my next project, apart from face masks.

Another thing that makes quilting and the march towards financial independence similar is that the middle part is so BORING…

Case in point, look at the picture above. Who wouldn’t be enticed with all of those little dachshunds, especially when we have one ourselves?

While Evan23 and I were looking online for quilt ideas, I stupidly showed this photo to Ryan25, who gloomily reminded me that he only has one quilt and I’ve been making them for around 12 years.

“One quilt a decade is all I ask, Mum!” he went on. “I wouldn’t mind a quilt like that one, though.”

I felt stricken. It’s true, he only has one quilt, while Tom28 and Evan23 have 3 each. It was then, when he had me feeling guilty, that I made the stupidest error.

“How would you like it if I made one of the dogs to look like Scout?”

His face lit up. He’s besotted by Scout. When he decides to leave home I’m going to have to frisk him on the way out, just in case he tries to smuggle her out with him.

Fooling myself that I was doing “research.”

So I bought the pattern. I dabbled with it by adapting it to a baby quilt I was making at the time, by using the head and tail sections. I was just like someone who buys a book entitled “How to invest and what to invest in” and then either doesn’t read it or reads it and then decides to mull it over. I rationalised that I was progressing but in reality, nothing was happening.

Until last weekend.

What was stopping me until then? A couple of things. One was the knowledge that this quilt will be SO BORING to work on. It has many different pieces in each block – hell, I have to cut over 150 one square inch squares alone! BORING.

This is just like working towards FI – once the initial flurry of activity subsides and you’ve set up all of your saving + investing + frugality + side hustle + retirement stuff, then all you can do is stay the course and let time and your initial actions do their work. That’s BORING. There’s nothing exciting and sexy about watching your direct debits go to your superannuation and investment accounts. It’s mundane and, frankly, slightly dull.

So yeah – setting myself up for eventual success with this quilt is an exercise in patient baby steps. Just like FI/RE.

The next thing paralysing me was this little face.

NOT a sleek, short-haired dachshund face.

Scout is a miniature wire-haired dachshund. Somehow, I have to work out how to get her beard and eyebrows onto that quilt filled with smooth-haired faces. I was paralysed in case I decided to do something that would screw the whole quilt up – just like our novice investor.

And just like that novice investor, I eventually decided that I had to start moving. Somewhere along the way, I have faith that I’ll work it out. While s/he (our investor) tentatively begins buying parcels of index funds, ETFs, shares or property, I decided that I’d have to start cutting out the pieces for this mammoth project. Just like earning our freedom, this quilt is not an overnight project.

So far, I’ve spent two afternoons standing over the cutting board, churning out squares and rectangles of varying sizes. There are 37 different sized fabric pieces and 15 different dogs to make. I have yet to finish the cutting out. There are more BORING afternoons in my future.

I’m like the FI/RE enthusiast in the middle of the journey. It’s all so BORING. But if I want to succeed, I have to stay the course and keep doing the BORING little steps towards success.

I have a feeling that the end goal with both the quilt and enjoying ultimate freedom in retirement will be worth it.

Scout’s never worked a day in her life. She seems to have a good time.

Why owning your home trumps renting.

The front view of my house.
My house before I started working on the front garden.

Dave from Strong Money Australia wrote a post this morning about whether or not he and his wife should cash out their share portfolio and buy a house. I enjoyed reading it, as it’s the perpetual question with FIRE people who are good at Maths – is it better to invest in the share market and rent, or to buy a house and save on living costs down the road when it’s all paid off?

Me? I’m a home-owner through and through, not for any mathematical reasons (because Maths is hard) but purely because the security of having my own place that nobody can boss me around and kick me out of is too precious to give up. Also, having three dogs means that no landlord would rent to me anyway – and having the dogs is one thing that I will definitely not give up. So the freedom of home ownership is something that is integral to the Frogdancer Jones lifestyle.

When I bought my current house, I bought it with one eye to the view of the floorplan being perfect should any of the boys need to come back home after living away. Basically, the house is a rectangle divided into 2 main parts, so I can happily live in the front part while the boy/s have their privacy at the other end. The land was smaller than our original house, which was a plus because I was finding it hard to keep up with the upkeep at the old place. Also throw in that it’s just around the corner from an Aldi, 5 minutes walk to the dog beach and 4 minutes walk from the train station – the bones of this property are all great!

However, even though this house is pretty darned perfect, there have been things that I’ve decided to alter. Being in my mid-fifties, I know myself pretty week by now and there are some things that I know Future Frogdancer would love to have at her fingertips.

My plan is to get these things done while I still have a pay packet coming in so that I can cashflow some of the jobs, though in mid last year I took 40K in profits from my shares to kickstart the whole thing. I still have 20K left to spend.

I’ve spoken before about how 2020 was always going to be the year of getting The Best House in Melbourne retirement-ready for when Older Me/Future Frogdancer decides to stop teaching. The list of things I’ve done here since the money came through from the Domestic Geoarbitrage adventure is as follows:

Apple trees growing in the veggie garden.
Apple trees in the background. The back half of my yard is devoted to food growing.
  • Before we moved in I had the hardwood floors sanded and polished. Real timber floors were a ‘must-have’ and I enjoy looking at them every day.
  • Added a wall of cupboards to the laundry for my zombie apocalypse cupboard. It’s come in handy during lockdown! Also, put in some new cupboards in the kitchen, along with a fantastic wine glass storage feature. Easy access to wine is also a ‘must-have’!
  • Totally ripped out the backyard and landscaped it with old bricks – no more lawn mowing and no more weeds. I’m very lazy.
  • Installed 18m of wicking veggie gardens, plus a small ‘orchard’ of 5 apples, a pomegranate, an apricot and 2 limes.
The new big verandah roof.
Now I have to decide what to plant around my outdoor room so that it flowers in summer for Christmas.
  • Installed a whopping great verandah along the entire back of the house, creating an outdoor room for family get-togethers and parties. With 4 boys in their 20’s, I have a feeling that over the next decade or so the family is going to get larger!
  • Bought a teak table that extends to seat 12 for this new space.
  • Once our cats Daphne and Maris died, I bought brand new leather lounge suites to cut down on pet hair sticking to the furniture.
  • I also found a dining table and chairs, a tv cabinet, a couple of stools for the kitchen bench, an armchair for my room and a coffee table on Gumtree. These antique pieces are totally individual and will see me out. I love them and they were second hand, so they were far cheaper than new furniture of comparable quality.
Painted paling front fence. Beautiful!
My new front fence with my stellar painting. Now the dogs aren’t on guard duty all day.
  • We’ve put up a side fence between us and the new neighbours. They have a staffy who hates little dogs and both households definitely don’t want any bloodshed!
  • I wasn’t planning to replace the front fence as it was a metal picket fence and built to last, but the dogs kept barking every time they saw a dog go by. I figured if it was annoying me, it must be annoying the people around us. This new paling fence blocks the view and if it ever gets tagged by teenagers I can simply put another coat of paint over it.
  • If you look at the photo at the top of the page, you can see that there were two yucca trees on either side of the house. Whoever planted these next to walkways was clearly no brain surgeon. Every time I went to put something in the bin I’d nearly get my eyes poked out by the spiky leaves. These trees are now gone. I’ve bought a couple of avocado trees to take their place. I’ll be able to stand on the verandah to prune the trees and to pick the fruit. These trees have soft leaves so they’ll be a pleasure to brush past.
  • I live in a slightly dodgier neighbourhood than I used to. I put Crimsafe safety screens on all windows and doors.
Bosch oven.
I bought German-made appliances – I know they’ll be well built and will last far longer than cheaper ones.
  • When the people before us did up the place to sell, they installed the cheapest stainless steel appliances that they could. It was on my list to replace them ‘someday’… but during lockdown the oven and dishwasher both died, so it seems that my kitchen renovation is suddenly pretty much done!
  • When our hot water service died I replaced it with a continuous gas hot water service. Expensive to set up, but over time it saves on gas and as an added bonus, people can program their showers to be the exact temperature that they want. I like this little luxury!
  • When a friend at work told me that her husband worked at the Reece plumbing ‘samples and seconds’ shop, I ducked in and bought all the fixings for my new ensuite I’ll have installed one day. I saved at least 8K on what I bought because he gave me mates rates on top of the already cheap prices. At the moment it’s all in boxes and bubble wrap cluttering up the boys’ lounge room, but that’s ok in the short term.

Astute readers will have noticed that few of these renovations are what people would consider “essential.” We could have moved into this place and lived quite happily without the brick paving, the new cupboards and the polished floors etc. After all, the families who lived here before us did just that.

But owning this home means that I can tailor it to the way I want to live. For example, I enjoy growing some of our food. To me, having literally half the backyard set aside for this is a great use of the space. But I don’t want to have to mow a lawn or weed all the time, so spending money on paving makes me happy, as I know I’ve freed up Future Frogdancer’s time. I don’t want her to fall down and break a hip trying to pull up a weed in about 30 years time! I could have put concrete down at a fraction of the price of the bricks, but I like the natural look of the bricks, so again – money well spent.

Scout, my miniature wire-haired dachshund.
Scout. She’ll be 4 next month – where does the time go?

I value a calm, peaceful home without any troubles from the council and the neighbours. The fencing I’ve put up isn’t the most exciting way to spend money, but it’s worth it because it keeps Poppy, Jeff and Scout safe, secure and QUIET.

I’m basically thinking about the things I like to do and the values I want to live my life by and then seeing how I can design my home to include as many of these things as possible. I want to have Future Frogdancer fit into this house like a happy little pea in a pod.

So remember I said I still have 20K left? I feel like a bit of an idiot because I had one job that absolutely needed to be done, but I kept putting it off because I was scared about how much it would cost.

Rotting timber balustrading.
Yeah… this doesn’t look good…

My front verandah has timber balustrading that has seen better days. I had absolutely no idea how much it would cost and then with coronavirus coming along, I shoved it into the back of my mind and tried to stop thinking about it.

Except… this job was only going to get worse with time and turn into something that would just get more and more expensive the longer I ignored it. So, after a year of resolutely turning my face away from it, I called in a couple of tradies to quote.

ARGH! I’m such a fool! I thought it’d cost thousands! I got the first quote back last night – $1,040. I could have had this done AGES ago. I’ve been needing to get this done so I could then plant my avocado trees. They’re still in their little pots, instead of getting their feet in the ground and producing those smashed avos that my millennial boys dream about.

As part of this job, I’m also getting a piece of laserlight nailed to the underside of the verandah, where an access door is. This will be where I’ll put our lawnmower. It’ll be tucked away out of sight, safe from any rain and it’ll be right where the lawn is – no wrestling it down from the backyard. Again – I’ll be getting something done that suits me.

So what else is on my list?

  • The other side fence. It’s literally falling apart, so once I get this done I won’t have to worry about fencing for decades.
  • Beautifying the new back verandah. I’ve bought the dining table and chairs and we have an old couch there, but it needs plants around the perimeter and I want to get a couple of half wine barrels to put splashes of colour in. I also want some sort of artwork on the wall of the house to make it all look pretty.
  • A new ensuite. My old one is perfectly serviceable, but it has a shower over a bath. I HATE THIS – it’s so pov. Plus I think it’ll be unsafe when Future Frogdancer will be getting in and out of it – one slip and she’ll be in a world of trouble.
  • A Tesla power wall. I don’t know if I’ll be able to get one of these, but I’d love it if I could. I’m looking for ways to future-proof Future Frogdancer’s bills and seeing as I already have solar panels, this could dovetail in quite nicely. Plus, I like the idea of having a back-up when power cuts and brownouts happen during the summers. I have a niggling feeling that these will get worse as time goes on and peak oil starts to bite and I don’t want to suffer through hot temperatures or have my freezer lose all of its contents. I freeze A LOT of things, particularly from the garden and I’d be incandescent with rage if I had to throw it all out.
  • An office/crafting room. OMG. I’ve never had one of these in my life and I’d love one. When we looked at this place, one of the back bedrooms was set up as an office. It has a door through to the backyard and it has a wall of cupboard save lined with shelves. THIS is the space. Unfortunately, Ryan25 lives in here and he’s not going anyplace soon – he’s finishing his remedial massage course and going straight into a 12-month myotherapy course. So this one will have to wait. But when I have all of my paperwork, my sewing machine, my yarn and my fabric all organised in the one room, I’ll be a very happy woman.
  • Painting the inside of the house. This isn’t urgent, but like the kitchen fittings, the previous owners did a very quick spray job. I’d like enamel paint on the skirting and doors, instead of the matt paint I currently have. It’s impossible to wipe down properly.
  • Landscaping the front yard. I have a vision of people coming through the high front gate and being greeted with a beautiful oasis of flowers, fruit trees and lawn that is invisible from the street. Apart from my avocados, I have absolutely no clue what I’ll be planting here. None whatsoever. But it’ll come to me.

The beauty of having my own place is that once I set it up, I’ll be able to live here with minimal ongoing costs and I’ll be perfectly happy with everything I have around me. I plan to travel overseas every year (once this pesky pandemic sorts itself out) but when I’m at home, my dogs, my crafts, my books, my blogging and my gardening will occupy me very nicely.

Once you buy furniture, that expense goes away as you have it for YEARS. Given this, it’s worth it to hunt around for items that really suit you. I found this out the hard way. When I moved in with my boyfriend back in the day, we bought some ugly cheap pine furniture “just for now”. A marriage, divorce, 4 kids and twenty years later, I finally got rid of those eyesores. It’s better to buy things you love looking at (like my bedroom setting that I’ve had for 25 years and have no plans to replace), because furniture hangs around for decades. My rule now is to allow nothing through the door that I don’t love, no matter how “practical” that thing may be.

Propaganda poster from my trip to North Korea.
One of my propaganda posters from my trip to North Korea, along with a North Korean banknote that I smuggled out.

My plan, once the world opens up again, is to gradually fill my walls with paintings and drawings from places that I’ve visited. I’m in no hurry to fill the empty walls I have. I’ll see something on my travels and know that I’ll want to look at it for the rest of my life and it’ll find its way home.

I love the idea of slowly building a collection of art that will spark memories of my travels and will make my house look totally different to anyone else’s. My house will reflect ME. So far we have Balinese paintings, pieces from North Korea and Venice and France. I wonder what else will join them as time goes on?

I save vegetable seeds and grow from them year after year. I love the idea of feeding myself and my boys food that started from seeds I bought years ago, but which still feed and nourish us years into the future. There’s something about the continuity and the tradition that appeals to me.

Home ownership is something that is definitely a financial struggle in the beginning. Homes are not something that vendors just casually give away! But over time, as the mortgage is paid off and there’s extra money available, there’s a beautiful opportunity to craft your living space into the perfect space for YOU.

Being on the FI/RE path as we are, the vision of decades of freedom in a space we simply enjoy living in is something to be aimed for. At the moment I’m having the fun of planning and ticking tasks off the list one by one. In a couple of years, I’ll have the fun of actually spending huge gobs of time in this home I’ve created. A home that keeps costs to a minimum. A home that makes me happy and fulfils my needs.

A home that suits ME.

So what’s your story, Frogdancer Jones?

I was interviewed for the Late Start to FIRE series.

While I’m stuck here at work, putting in my last day before the winter holidays, please duck across and have a read of this series. There’s some very interesting and determined people there, who all prove that you can still retire early, even if you don’t discover FIRE until your 40’s or 50’s.

Thanks to LateStarter Fire for letting me share my story!

Lockdown was my retirement ‘training wheels’.

My leisurely Lockdown mornings. Scout knows darned well she’s blocking the computer screen.

When we were told to go into lockdown, it was a bit scary but also – to be honest – I was a little bit excited. I felt like I’d been training for lockdown my whole life. I love being at home. I have so many things to do, books to read and things to think about and plan for. It also occurred to me that being at home 24/7 for weeks on end would also be a crash course in what everyday life would be like in retirement but without the little outings and holidays. In other words – retirement on steroids!.

Writing this blog as I do, it’s obvious that preparing for retirement, both financially and emotionally, has been on my mind for a while. The money side isn’t a worry. I have enough, or nearly enough, I think. Anyway, my early training in being frugal, when I was at home with 4 small boys living on 18K/year means that if money ever got tight I can live on the smell of an oily rag. But… would life get dull and boring after a while?

I didn’t think it would be… but you never really know these things until you start to live them. I’m a bit of a hermit when I’m home. I love shutting the gate and being in my own little world. That’s fine and dandy when I spend most of my time at work, knee-deep in 2,300 kids and 200 other teachers, but it niggles at me that maybe it would be a different kettle of fish when my days at home are all I have. Would I get bored and lonely?

After 11 weeks of staying at home, I have a much clearer idea of what my days will look like in retirement. Granted, it’s not exactly the same as retirement because remote teaching takes up lots of my time on the 3 days a week I work. However, my days without an hour and a half being taken up by the commute have given me a sneak peek at what life will be like when I can call my days my own.

Most of the things that I’ve revelled in during lockdown have been the little things. But they all seem to have the same basic thing in common – freedom.

Lockdown gave me the time to create. This is a quilt for Evan23.

It seems that my natural awakening time is anywhere from 7:30 – 8 AM. Did you know that the difference between being forced to wake up in the dark and being able to wake up whenever your body wants to can put a spring in your step first thing in the morning? The best mornings are the ones where I get up at the same time as when I’d be backing the car out of the driveway to get to work. Oh yeah, baby! Without the commute, I can still wake up at 7:45 and be ready to go online to teach my classes by 8:50.

Oh, the freedom!

On my non-working days (aka Retirement Training Days) I spend the early morning reading on the laptop, mostly blogs, Twitter and Facebook, though a novel will sneak its way in every now and then. Interestingly, during lockdown I didn’t have the urge to write. The dogs are glued to me on the couch and the mornings are peaceful as I tap away on the laptop and they snuggle and snore.

These luxurious starts to my mornings will be very sweet when I can do them every day.

The interesting thing about this lockdown was that it was impossible to over-schedule myself, once I staged an intervention on myself to stop me from working 7 day weeks in remote learning when I was only getting paid for 3. There was nowhere else I had to be, no one I was allowed to meet and so my son and I were thrown onto our own resources. This, of course, was more than a crash-course in retirement. It was like ‘retirement on steroids’ – and yet, we weren’t bored. Not even for a day.

Another project – find some plants for the front door that stick upwards. I’m hoping this ‘lockdown project’ will last for years.

After I slowly got over the tiredness I felt at the end of the term, I began to find that I felt much better if I accomplished something practical each day. Lockdown, as lovely as it is, wasn’t going to last forever, so I set a series of projects to try and get done before it finished. I liked the idea of being able to point to something and say, “That’s my Pandemic Quilt/Fence/Whatever.”

I wanted to finish painting my front fence – 2 coats.

Same with the side fence.

My veggie garden had to be made ready for winter.

I have 2 quilts to finish.

I have a lot of pruning down the sideway to get done.

I needed to master sourdough bread making.

If, at the end of each day I’d accomplished something on at least a couple of these things to push them forward, I was happy.

The main difference I’ve noticed is that the pace of my days changed – just as retired people report. There’s no mad rush to get as many things done during the weekends as possible. There’s no pile-up of scheduled blocks of time, where I’m racing to get as much done as I can before the work week begins again.

Instead – if I can sit on the couch with a wine and the dogs at the end of the day and think, “I painted some more of the fence, made 2 sourdough loaves and chopped half a bed of dead tomato plants into little bits to use for mulch… that’s a day well-spent.”

There’s a beauty in having a day filled with simple tasks around the home. I’m not one who loves the drudgery of housework; instead, I like projects. Much more fun, particularly as once a project is done, it STAYS done. Not like housework.

So, after having spent 11 weeks at home and having barely pushed my nose outside the front gate (except for painting the fence, walking the dogs and the off Aldi trip every fortnight or so), I’m here to report that I’m ripe and ready for retirement. I wasn’t bored at all… not even for a day. I was as happy as a pig in muck, which bodes well for when I’ll be home all day every day.

I’ll almost certainly work at least another year – I have a lot of projects that I want to have finished and paid for before I give the wage the flick – but yes. Emotionally, Lockdown has given me the certainty that when I retire, I’ll be just fine.

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!

“Are All Teachers Poor?” A podcast.

Scout shaking herself dry - while still standing in the water.
A happy Scout at the dog beach on a Tuesday morning. Part-time teaching isn’t so bad…

Today was a good day. I knew that a podcast that I recorded just before Christmas was being released, so I got up, downloaded it onto my iPad and then took the dogs for a walk to the dog beach. Tuesdays and Thursdays are my school-free days, so I had all day to listen to the conversation we’d had.

‘What’s Up Next?’ is a podcast that assembles a panel of people to talk about various topics about financial independence and financial literacy. Our topic was “Are All Teachers Poor?” (this link lets you hear it), and I was lucky enough to share the conversation with Gerry, the Millionaire Educator, and Ed from Educator FI – two guys who really know what they’re talking about.

Crystal clear water this morning.
It was 9 AM when I took this. In any other year, I’d be in a classroom.

I never listen to podcasts when I walk the dogs. I like to be in the moment with them instead. So, we walked down to the beach, I took their leads off and we set off walking beside the water’s edge.

The sea was like glass. The colours were muted and beautiful. I was surprised to see quite a few people there with their dogs. When you work full-time you have no idea of how many people are freely walking around the place during working hours as if they have a perfect right to be there. We stopped and talked with quite a few people as we made our way onwards.

It’s a lovely way to start the day. The soft lapping of the waves, the squeak of sand under your feet, the incessant barking Poppy does until she’s convinced you haven’t brought a ball down with you… it’s a darned sight better than driving down a packed Nepean Highway to work.

Scout refusing to move - her legs are tired.
When her little legs got tired, we turned for home.

Once we got home I grabbed my iPod and listened to the podcast as I watered the veggie garden. I’d completely forgotten what we talked about – there’s been a lot happening in the Frogdancer household after all! – so it was as if I was hearing it all for the first time.

I really enjoyed it – and not just because the female panellist was so clever and insightful. (LOL – jokes. That was ME!!!) Ed and Gerry are thoughtful, caring people who are well-worth listening to and they know their stuff. I wish that Ed was on the admin team at my school!!

It’s now 5:40 PM and I’ve pretty much wasted the rest of the day. I’ve clocked up less than 6,000 steps, but you know what? Tuesdays are for ME. I’ll get the hang of this part-time malarkey. After all, it’s only been a month. These things need easing into, right?

I’d like to thank Doc G for inviting me onto his podcast. I enjoyed it very much and I hope other people, particularly teachers, enjoy it too.

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