Burning Desire For FIRE

Financially Independent, Retired Early(ish) at 57.

Page 52 of 76

“So are you working?”

July 27, 2021 / / 13 Comments

In between lockdowns is a fantastic time to catch up with old friends.

Recently, I’ve had 3 separate high school reunions with women I haven’t seen for 40 years or so. Each reunion has been so much fun – it’s odd how our lives have been so different in the little details, but have still been the same(ish) in terms of the broad-brush-stroke events.

But something I found myself pondering after the first couple of meetings – how do you ask what people are doing without assuming that they have a job? Many people have their self-image tied in up what they do for a living, but what if, like me, they’ve retired?

In my age group it’s not terribly uncommon for women to have dropped back to part-time work or full retirement, especially if they’ve stayed married. Decades of those two wages makes a difference after a while!

We all know that the usual question when meeting anyone, either for the first time or after a large gap, is to ask, “So what do you do?” This implies that they have a job/career. Is there a different way to ask how they’re spending their days?

I decided to test-drive the question, “So, are you working?” Said with a smile… tone of voice is really important, of course. It seems a more neutral way of asking how they spend their time without the expectation of getting a job title in return.

If they’re working, you’ll get a “Yes, I’m a ………………” or something like,”Yes, I’m working 4 days a week as a …………….”

If they’re not, you’ll get a, “No, I’m retired… never worked… ” Whatever. The only risk I can see is that the person bursts into tears and says they just got laid off. That’d be awkward, but you run that risk anyway with the more usual question.

(Of course, it wouldn’t be so neutral if you added one word – imagine asking “So, are you STILL working?” OMG… can you imagine the expression on the other person’s face? )

So on my third reunion, I asked the question. I already knew what Robyn did for a living – we’d reconnected on BookFace and had had a long chat on Messenger – but I had no idea what Lisa was up to these days.

It worked really well. She smiled and told us that she worked 3 days a week as a district nurse, visiting Mums and young babies in high risk families. There were no weird looks and her reply led into a really interesting discussion about what she does in those three days, as well as how she spends the other 4 days a week.

We had a great talk. Robyn works fulltime as a teacher, Lisa part time and I’m retired, so we were spread along the whole line of possibilities. It was fun to compare the different lifestyles. We all chose the more traditional “caring” careers. Not sure if that’s a product of leaving school in the 1980’s as young, middle-class women or whether we’re just fantastically humanitarian people. We all enjoy/ed our careers though, regardless of the reasons why we entered them.

I know this isn’t a huge thing in the big scheme of life, but I found it an interesting thing to play with.

Has anyone else experimented with how to ask The Question?

I did some Maths!

July 25, 2021 / / 7 Comments
HELP written on test

This morning I was noodling around on the Simple Savings forum when someone posted a comment about the cost of groceries. This made me wonder – how were we tracking this year compared to last?

David27 has moved out in all but name, so SURELY we’d be doing better?

Plus we have a VERY well-stocked Zombie Apocalypse cupboard that I beefed up when covid raised its ugly head. This means that we don’t go to the supermarket very often, especially when we’re in lockdowns. The plague is a very good reason to avoid people. It also means that you avoid impulse buys when you pop in for a litre of milk, for example.

Also, remember all of those pumpkins we grew? We’re just finishing the last one, months after we picked them all. That crop alone would have saved us something. We’ve eaten a lot of pumpkin over the last few months and I’ve even invented a pumpkin pasta bake, just to use up even more. We’re still eating other things from the garden, though far less in winter.

So how are we tracking?

I knew this would require some advanced Maths. Fortunately, my laptop has a calculator. I pulled up my ‘Yearly Expenses’ chart and had a look.

Chart of grocery spending.

oof.

Kids are expensive to feed, especially when they turn into men. You can see how the grocery bill drops as a couple of them left home. It used to be even more expensive when I had 4 adult men to feed, but Tom was already gone by the time I started tallying up figures.

Roughly speaking, I divided up 9K (2020’s number, rounded up) by 12. That gave me an average monthly figure.

Then I multiplied it by 7. We’re in July, the 7th month. (I know Maths people will say that we still have 6 days to go before July is done, but all I wanted was a rough idea.)

Roughly speaking, I’ve spent around $1,800 LESS than I did this time last year. I’m pretty pleased with that.

Hmmm… how much cheaper will it be when Ryan26 moves out? Maybe I should start dropping hints???

But then, maybe not. He’ll probably look at me like this:

Sad bear looking sad.

Well, I’m exhausted after all that intensive brain work. Time for a lime verbena tea!

Frugal Friday: Anyone for pizza?

July 23, 2021 / / 10 Comments

Even without a thermomix, pizza dough is so easy and cheap to make. When the kids were really little, I used to cop out and use wraps as bases, but honestly… that’s a travesty. A good pizza needs a good base, so I love the pizza bases I make. Have a look at the ingredients – could it be cheaper?

2 tsps dry Yeast

220g lukewarm water

30g olive oil

1 tsp sugar (At the moment I’m using the sugar sachets I liberated from the motels I stayed in on my South Australian trip – SO EVEN CHEAPER!!!!!) heh heh…

420g bakers flour. (Though plain will do as well.)

1 tsp salt.

Sometimes, if I’m feeling fancy, I’ll put garlic, chilli and some fresh rosemary in there as well. (I freeze whole peeled garlic cloves and whole chillis and grow rosemary in wicking boxes – SO NO WASTE!!! EVEN CHEAPER!!!!!!!) Ok, I’ll stop now.

How thrifty is this? It costs literally mere cents to make this dough – enough for 4 or 5 pizzas, depending on how large you like them.

I keep the yeast in the freezer in the blue insulated thermos-y thing. It’s the yeast I bought a few days before our very first lockdown back in March 2020. Still going strong.

Oh! Did you notice the olive oil container? I bought that in San Gimignano in Italy on my 2015 trip. Another frugal tip – buy souvenirs that you’ll USE, not ones you merely look at. Nearly every day when I reach for the olive oil, I think of that trip.

Here’s the dough, just before I wrap it up in a silicon mat and put it near a heating vent. (It’s the middle of winter here in Melbourne.)

After an unfortunate incident when Poppy was a puppy, many years ago, we’ve learned that we have to keep dough that we’re proving up high.

There is a very strict rule in this house, brought in when the kids were little, that EVERY pizza must have green on it. No matter what else is happening in the garden, I always have leaves growing and so they must go on.

Edited to add – in the background is a ceramic tea caddy that I bought in Beijing when my friends Helen, Rick and I went to North Korea. Another useful souvenir!

Ryan26 is the pizza maker in this household. The toppings vary, depending on what’s in the fridge and the garden. This was last night’s effort.

Of course, I forgot to take a photo when he pulled them from the oven. I was starving. But we fed 2 adults an incredibly cheap, yet incredibly delicious dinner for 2 or 3 dollars at most.

And here’s the answer to Toni’s question in the last post.

I have a side-by-side fridge and freezer in the kitchen and the lowest basket is devoted to ice-cube sized portions of home-made pesto – which always goes on our pizzas – and balls of frozen pizza dough.

Ryan26 just divides up the dough after it’s risen and put’s individual-sized balls into freezer bags. They’re so handy if someone, such as an adult son who lives away from home, drops in and is starving. He can whip up a meal very quickly.

I also like it when it gets to around 5PM and I’m not in the zone for cooking. I just throw 2 frozen pizza dough balls onto the kitchen counter and by the time Ryan26 is ready to start cooking, the dough is ready to roll.

Some people recommend freezing them in flat discs so they’ll defrost quicker, but I don’t like the sound of that. How many times have you gone to the freezer to get a sheet of puff pastry, only to find that it’s broken? It’s a PIA. I’d rather it take a little more time to defrost and then you can roll it to to the size that you want.

Thanks, Toni, for asking the question. I got to have the night off from cooking last night. Love pizza nights!

Frugality and FI is the gift that keeps on giving.

July 21, 2021 / / 6 Comments
Pea soup in a bowl.
Not my soup – mine’s still cooking!

There’s a rumour that’s been circulating for a while now that Frogdancer Jones – that’s me – is frugal. Or maybe a tightarse… take your pick. I was told about a conversation that happened in the staff room at work where people were describing a continuum of spending. Apparently, I was on the thriftiest end, while the others spaced themselves along the rest of the line up to the biggest spender.

But hey, I like being frugal. I like the challenges of making material things last longer, enabling my money to go a little further and only shelling out for things I HAVE to have and things I WANT to have. Middle of the road ‘meh’ stuff doesn’t cut it in this household.

Being frugal means that I can cut down unnecessary spending, freeing up my cash for fun things. You know, things we’ve all wanted to buy… a mini dachshund puppy, a trip to North Korea, 6 more apple trees… Things that are by far more important to me than designer handbags and the like.

It’s fun for me to save dried peas from the garden and turn them into soup, using my slow cooker that I’ve had for over 20 years. It makes me smile to look down at my slippered feet and see the ‘Welcome to Nightvale’ patches. My ‘Earn back my council rates’ challenge costs me nothing, but because of it I’ve read 86 books so far this year for free. If you think getting lost in a good book doesn’t add to your quality of life, then I have news for you!

I’m a big fan of finding experiences and activities that entertain and inspire you without having to necessarily cost a whole lot. This automatically leaves money that you can put towards something else.

Being frugal doesn’t mean that you never lash out on expensive items.

Which is why I’m really excited about my latest purchase.

Big box with Poppy ( a cavalier) sniffing it.

This is a gift for David27 and Izzy. It’s an engagement + wedding gift because it’d be an extraordinarily generous engagement gift and I’m not that rich! It was delivered here in the middle of lockdown #5 so it’ll be a while until I can drive over there with it to give it to them.

It’s a product that I hold very dear to my heart. I have 2 of them and I can’t possibly do without them. Just this morning I used one to make bread dough, pizza dough and gratin sauce for cauliflower cheese for lunch. We now have 8 bread rolls and 4 balls of pizza dough in the freezer for literally mere cents. And absolutely no artificial ingredients. Izzy and David27 both have health issues and she’s also lactose intolerant, so this will be perfect for them to eat cleanly and with fresh ingredients, while being able to produce gourmet meals. They’re both foodies.

I’m so excited to be able to provide this for them.

Just to make it fair for the rest of the boys – because 2 have already bought their own thermomixes, while Evan24’s housemate owns one – I’ve decided to give a little less towards the wedding. I’ve always thought that I’d give 5K per boy per FIRST wedding – (any subsequent weddings and they’re on their own!!) – so I’ll give 4K towards this one.

Come to think of it, I also gave them the diamond for Izzy’s engagement ring. There are definite advantages to being the first cab off the rank when weddings come along! This is a product of the practical thinking that frugality brings. I had a very good quality diamond in a ring sitting in the jewellery box, back from when I was in my twenties. I’m never going to wear it again. It makes no sense for it to sit there for decades when Izzy could have it put into a setting she loves and then get to enjoy looking at it every day.

By doing this, I release something that was useless to me and David27 gets to put the money that he would’ve spent on a diamond towards the wedding. Sounds like a win/win to me!

Being frugal and FI is almost like a superpower. When I think back to the days when the boys were small, when I could barely afford to keep a roof over their heads, I feel so very lucky to be able to buy a gift like this now. Back then, I would never have believed it would ever be possible.

All I have to do now is wait for this current lockdown to be over. The box can sit in the hallway, just like the boxes of my customers used to do when I sold thermomixes as a second job. Once we’re free to drive further than 5 km from our homes, I’ll look forward to driving over to Izzy’s parents’ place to deliver it, just as I used to do back in the day for my customers. It’ll be fun.

But if you know them in real life.. sssshhhh!

Don’t spoil the surprise!

Frugal Friday: Support the Arts and save some uggs all at the same time.

July 16, 2021 / / 2 Comments

I’ve noticed that it’s been nippier in the mornings lately. It’s not just that we’re in the middle of winter, though that’s a factor – it’s also that BOTH my ugg boots have a hole right where my big toes are. It’s surprising how much colder you feel when a little breeze is whipping across your toes first thing in the morning.

The easiest thing to do would be to chuck these out and buy another pair, but I didn’t want to do this. My son, Ryan26, bought these for me 2 Christmases ago for over $100. That’s a lot of money for a student. And apart from the toe holes, the rest of the boots were in tiptop condition.

Then came an email from one of my favourite podcasts, ‘Welcome to Nightvale.’

This poddie has been going for 9 years and it has quite a bit of merch. Including cloth patches…

Hmmmm…

I could send away for 2 patches for $24, or spend $100+ on a new pair of uggs. But gee – do I have the time required to actually sew the patches on?

Well yes. Yes I do. I’m retired, after all.

I LOVE THEM!

When the patches arrived I put on a podcast that I wanted to listen to, brought a cup of lime verbena tea from the garden over to the couch and started sewing. It was a pleasant way to spend some time and I knocked over both the repair job and a couple of podcast eps. Now that’s being productive!

My uggs are now snug again and I have a totally individual pair. I’ve respected my son’s gift and now they’re even more special to me than before. Plus I’ve stopped 2 boots from disappearing into landfill.

I’ve also supported a podcast that has given me YEARS of entertainment and I’ve saved a chunk of cash as well.

Who says that frugality has to be drudgery?

Little Adventures #3 – Endeavour Fern Gully, July 2021.

July 14, 2021 / / 8 Comments
Track leading into the bush.

I was looking at the news, seeing New South Wales’ covid figures soaring to over 100 cases from their bungled “lockdown” and then news came of 3 covid cases in Victoria due to removalists breaking the rules. That decided it! July’s Little Adventure had to happen quickly just in case we all go into lockdown again.

For any new readers; my Little Adventures are day trips. Once a month I take the freedom I have now that I’ve retired and I explore a place close to home. A place I’ve wanted to see but never really had the time for when I was working.

I looked at the weather forecast. Tuesday was cold but fine. Wednesday would be rainy. Decision made!

Tuesday would be “Little Adventure and Planting Asparagus Crowns” day.

Wednesday would be “Shopping at Costco For Dog Food In Case We Go Into Lockdown Again” day. We can go without many things in this house if we have to, but dog food is definitely not one of them.

Big gum tree.

Ryan26 is on his L plates and was at home, so he leapt behind the wheel for the 44km drive to the Endeavour Fern Gully. This is a property in Red Hill owned by the National Trust. The Mornington Peninsula was once a temperate rainforest and they’ve preserved a little patch of it with a walking track through it. Blogless Sandy discovered this place when she was with her walking group and told me about it.

I was interested to see that it’s a National Trust property. My plan is to buy a membership, once covid lockdowns settle down. They have a few old buildings that I haven’t seen since primary school and they’d be perfect for Little Adventures. The fern gully is free, so my membership plans can wait.

Big tree fern.

Ryan26 and I were the only ones there. There are definite advantages to being retired.

Tree trunk covered with moss.

All we could hear was the sound of birds, the gurgle of water as we walked near tiny creeks and the sound of a farmer a couple of paddocks over as he was riding his tractor. Fortunately, he was quite a way away so it wasn’t too intrusive, more like a low burring noise underneath everything else.

Another gum tree.

It was crazy to think that the Peninsula was once covered with dense vegetation and ferns like this. At one point the walking track skirted the side boundary of the property. On my right side was a paddock of green grass – nothing else. On my left side was a wall of tree ferns way taller than me, blocking out the sky.Really demonstrated how settlers have changed the landscape.

I unintelligently left my phone at home so Ryan26 took these photos for me.

Lots of gum trees.

The walking track is around 2kms or so and it winds its way through banks of tree ferns gathered around creeks, as well as stands of trees. Don’t you love the sound of running water?

Every now and then we’d hear a bellbird, or a galah would fly screeching overhead. Ryan26 is a quiet soul, so we didn’t chat much. We just walked in silence, first him and then me, quietly taking it all in.

The smell of the air was utterly different down there. It’s hard to describe. It was a clean, ancient smell of vegetation. Of things rotting down to provide new plants with the nourishment to grow. That may sound unpleasant but it really wasn’t. It’s a place of lush growth and renewal.

Boardwalk through tree terns.

I was glad we came. It’s an easy drive from Melbourne and we were home for lunch.

After a revivifying nap on the sunny spot on the couch, I went out to the garden and planted 7 more asparagus crowns. I can’t touch them for around 3 years but after that, I’ll have asparagus for the next 20 years or so!

Aiming for FI is ALWAYS a good idea.

July 5, 2021 / / 14 Comments

When it comes right down to it, we’re all responsible for our own financial well-being. A definition on the internet or someone else blathering about how they think you should handle your FIRE journey has no relevance. Everyone has different nuances and circumstances to take into account, which means that the beauty and the terror of personal finance are just that. It’s PERSONAL.

Ultimately, it’s all up to you.

Having said that, however, I’m firmly in the camp of the ‘FI’ part of FIRE being the most important. Retire/don’t retire – I couldn’t give a tinker’s cuss what you do. But I do believe that, wherever possible, people should have the goal of being financially independent firmly in their sights.

The reason for this is simple: You never know what’s going to change in the future.

What started me thinking about this was a tweet I saw a little while ago where a guy was saying something like, “I think FIRE is stupid. I love my job. I love my life. I never want to retire.”

Someone pointed out to him that he may feel differently a little way down the track. Having kids, for example, definitely changes the way people look at how they want to spend their time.

His reply was something like, “Oh. I didn’t think of that. I’m single and 25 LOL!”

Oof.

Things change.

I worked at my last school for 17 years. I loved my job. Don’t get me wrong, I loved my holidays too, but every day I’d walk through those doors and be so happy that I worked at that school. Until gradually, things changed and I wasn’t feeling the love so much.

Things change.

If I hadn’t kept steadily moving towards Financial Independence during the years when I absolutely loved my job, I’d have been screwed when I became jaded. I would have had to stay whether I wanted to or not.

Two and a half years ago I wrote a post about a friend’s marriage that had hit a crisis point. It’s called ‘The Scariest Financial Decision of all‘ and in it, I talk not only about my friend but also about the breakdown of my marriage so many years ago. The thing was, I walked away from that marriage as emotionally prepared as I could be, (is anyone ever really emotionally prepared for all that?), but financially???

I was in a woeful state.

A bit like my friend. Two years after I wrote that post, she pulled the pin on her marriage for good. In the interim, she had another baby, so she’s now on her own with 3 kids under 6, a part-time job and a house with a hefty mortgage that is still awaiting property settlement. She has no money of her own behind her and so, like me 24 years ago, she’s essentially starting from scratch.

While my divorce wasn’t exactly amicable; hers is just awful. Nothing has been able to be agreed upon between the parties and even simple things like access to children and child support have had to be dragged through the courts. As you can imagine, solicitors, barristers and the drawing up of documents etc can run up expenses really quickly. My friend would be up shit creek without a paddle, let alone being able to afford a canoe, if it wasn’t for one thing.

Quite a while ago, her parents decided that they wanted a slice of this Financial Independence pie and so they made it their goal to reach it. Their goal was FAT-FI, which is basically a snappy way of saying that they ended up retiring with more than they needed for their basic living expenses. Since then the share market has been burbling along, they were living their lives and all was serene until the separation.

My friend can pay her legal team. She’s getting the best advice possible to ensure the safety and security of her kids. She can do so because her parents worked towards financial independence years ago.

I’m darned sure that when her parents were saving, investing and doing all they could to ensure a solid retirement, the thought of this situation happening never entered their heads. Like all of us on this path, they were focussing on what they wanted to have put by to make sure their retirement would be a good one.

But now? They’re so thankful to be able to help their daughter and grandchildren. If they’d YOLO-d their way through life, my friend’s situation would be pretty grim right now. Part of her parents’ view of having a great retirement has altered. They now view being able to help look after their grandchildren’s lives as being very valuable to them.

Things change.

We can foresee some things, such as getting older and reaching life’s milestones, but some things are absolutely hidden from us until they happen. Seeing as how that’s the case, the only way we can prepare for them is to get our financial acts together.

If something happens and we need to drop everything to be there for someone we care about, it’s far easier to do that if we don’t have to be juggling having to go to a job to pay our bills at the same time. Knowing that we have a solid financial footing means our brains are free to focus on the other things that the person needs. It frees us up to be totally in the space with that person, instead of money worries shredding away at the edges of our minds.

Fingers crossed that we never have to experience this! I know I’d prefer to have my boys merrily sailing off into the sunset with never a worry. I know that I’d prefer to have a retirement where the weightiest decision I have to make each year is which country I’m travelling to… but life is tricky.

Money doesn’t solve everything, but it sure makes a lot of situations just a little easier to bear.

Financial Independence is always a great goal.

You never know when it’ll come in handy.

Little Adventures #2 – Cutting Cloth, June 2021.

June 30, 2021 / / 15 Comments

Back during the heyday of craft blogging in the late 2010s/early 20teens, there was a group of us that read each other’s blogs, met up for blogmeets at cafés and generally encouraged each other. Most of us had young kids and between us, we created a warm, friendly and utterly creative corner of the internet. Over time, most of the blogs gradually dwindled as kids grew, we went back to work and all of that.

One of the most creative of us, Kellie from ‘Don’t Look Now’, decided 5 years ago to follow her passion for fabric and open a quilting shop. Unfortunately, it was over the other side of town in Fairfield, where I never go. It was also when I was in the middle of my Europe trip and then buying The Best House in Melbourne. I was busy, busy, busy. Still, I filed it away as a place I’d visit ‘one day.’

The shop front. Wow.

Fast forward to this morning. I realised that, due to the 4th lockdown, June had almost gotten away from me and I hadn’t had a Little Adventure. Basically, now that I’ve retired, I’ve set myself a challenge to go somewhere new every month. Being June 30, it had to be today!

Fortunately, I had all 4 boys and their partners over for dinner last night and the 2 who live in the Western suburbs needed a lift back home. Yarraville isn’t exactly close to Fairfield, but it’s a darn sight closer than my side of town! So once I dropped them off, I fired up the Tomtom and headed on over.

Shopfront detail. I saw this quilt when I visited her once, many years ago.

This shop is utterly exquisite.

It’s also where I found the pattern I used for the Vintage-look baby quilt. I actually saw the original! Sadly, Kellie wasn’t in the shop that day, but once I regaled the other women with the tale of how I made mine, then unpicked it all and made it again, the conversation flowed and I had the best time!

Remember how I bought a painting in Hahndorf when I was on my holiday to South Australia? On my way over there, I decided that I’d buy the fabric for a quilt to begin bringing the colour-scheme from the painting into the rest of the room.

How cute is this?

I was probably there for an hour. I pulled up a photo of the painting on my phone and then the pulling of fabric bolts from the shelves commenced. I learned a lot, just listening to Liz talking about why each fabric would work. She was really clever in how she mixed and matched colours, which is something I need to learn more about.

We were walking up and down the shop, pulling bolts out and putting them in a stack and then stepping back to see that they’d be like.

I’ve been following this place on the blog and Facebook since it opened, so it was a thrill to see the incredible quilts in real life that I was so familiar with.

While I was there I also bought a little reading lamp. Sometimes the guest room/sewing room gets a bit dull. It’s on the south side of the house and I’ve been meaning to fix this problem for ages.

Look at how Liz packaged up my fabric! I kept glancing over at it all the way home.

Here’s the photo I took of the painting after I’d unwrapped it. You can’t really tell from this photo but it has a 3D effect – the flowers and fallen petals are made from layers and layers of paint, so they stick out. So much so that I have to keep an eye on anyone who sees it for the first time. A surprising number of people try to touch them.

In different light during the day the painting changes as the light moves across it. It’s really quite extraordinary.

So there’s the colour palette. I also bought a hexagon template so I’ll be learning a new skill when I’m making this.

I’m glad I thought to do these Little Adventures.

All good things must come to an end…

June 20, 2021 / / 6 Comments
'No Spend Days' chart with FOUR days' spending last week.
My winning streak has finished. 🙁

I’ve written about the nitty gritties of the ‘No Spend Days’ chart HERE, way back in 2018, then HERE in the middle of 2020. That last one was funny because I was congratulating myself on an 18-week streak of silver weeks. I never dreamed I’d get to 61!

For the TL;DR version: I have a chart set up from Saturdays to Fridays. Every day I don’t spend money I get to colour in a square. This worked ok at first, but it lacked an incentive. When I added the EXTRA column – the one where, if I spent money on 3 or less days per week I get to colour in a silver square, that’s when my spending ratched up a level. The chart makes me concentrate on when I pull out my credit card. It makes my spending intentional. I still spend money, but never mindlessly.

I wanted to keep my winning streak of low spend weeks going for as long as I could. The first lockdown kicked off the streak of consecutive low-spend weeks, but last week was when it all came to an end. After 61 straight weeks of keeping my spending to 3 days per week or below… along comes a 4 day week.

So what happened last week?

Cavalier asleep on a couch with a dachshund behind him.
Jeffrey (front) and Scout.

It all started when Ryan26 went to Aldi because we’d run out of tinned tuna. He likes to have that for lunch. We’d run out of onions and a few other bits and bobs, so I told him to take my credit card and stock up on a few things. That was Sunday.

I was having lunch with Simone, the old school friend that I caught up with after 40 years when I was on my holiday in South Australia, and another school friend who I’ve stayed in touch with over the years. We were meeting on Thursday, so that was going to be a definite ‘spend’ day.

We’ve just come out of a 2 week lockdown and I was overdue for a visit to the hairdresser. I decided to go on Wednesday. This meant that Friday had to be a ‘no spend’ day. What could go wrong?

Jeff’s eye, that’s what.

Cavaliers have such big, beautiful eyes. Sometimes they get a bit mucky but they clear up in a day or so. This eye slowly got worse. Ryan26 noticed something was a bit wrong with it late Wednesday … Thursday it looked as if it might be getting better but on Friday morning we woke, I looked at it and rang the vet.

My 61 week silver streak had finally run its course. Anyway, I think that 61 straight weeks was pretty good. Jeffrey’s eye is improving and really, that’s the important thing. Poor little man. Having an ulcer on your eye is never a good thing. We caught it early.

But maybe it was always fated to end on this day? A couple of days before, a friend from work rang me and said, “It’s correction day on Friday AND it’s my birthday. I’m going to get all my marking done before Friday – damned if I’m going to work on my birthday! – so do you want to go out for lunch?”

I hesitated. I knew this would be the end of my silver streak, but I knew it had to finish someday. However…

“Will it be just us or will there be other people?”

I knew that if there was going to be a group of us, then that was it. No more winning streak. But if it was just us… then I could serve lunch here instead and my silver week would be saved!

“No, just you and me,” she said.

I explained about the winning streak and she laughed and agreed to come to my place for lunch instead. I knew she’d understand. She’s one of the people at work who talk finances with each other. She’s on a similar path to me, on a quest to pay off her house and retire early(ish).

Apparently, at work they now call it “doing a Frogdancer.”

The chart is one of the ways to make the hard slog in the middle of the FI/RE journey fun. Every day you get to colour in the chart is a little achievement; something to mark the fact that you’re putting in the effort along the way. People need little wins when working towards financial independence and this was a technique that works brilliantly for me.

Yes, I’ve reached FIRE. So why do I still do this?

This chart was one of the things that helped me to get there. So why on earth would I stop using it? It’s proved its worth. It’s also handy when you want to check things like when the dogs’ vaccinations are due, how many weeks since you’ve had a haircut, and it’s invaluable when filling in my ‘Annual Spend’ chart each month.

In the middle of the second lockdown last year, I asked myself the question – “How long can you keep this silver week streak going?”

I’ve discovered the answer.

After 6 months, I’m still learning about retirement.

June 16, 2021 / / 9 Comments
Granny squares with circular quilting.
One of the placemats.

You know, it always makes me smile when I see a blogger tweet something like, “Sorry everyone, I haven’t released my usual Wednesday blog post. Never fear, I’ll put a post out on Thursday instead. Apologies!!!”

Honestly… no one cares! It’s been a month since I posted here and no one’s sent out a search party. After my little holiday up in the high country I wasn’t feeling the urge to write here, so I didn’t. I threw myself into other things, mainly quilting (2.5 finished plus a couple of placemats), reading, (only $400 or so to go on the ‘Earning my rates back’ challenge) and getting the veggie garden ready to slumber over the winter.

And that’s where I learned something new about transitioning to retired life.

Ian’s quilt. Blogged HERE.

While I was happily down in the quilting rabbit hole, my veggie garden was sitting there, untended and unloved. The shrivelled up beans were hanging, brown and ugly, on their vines, the huge silver beet plant had gone to seed and the basil was running amok. Grass had come under the fence from the neighbour’s place and is under the apple trees, so that needs getting rid of.

It was time to get out there and put it all to rights.

Cathy’s quilt. Blogged HERE.

Monday was a public holiday here in Victoria and the day was dry and slightly overcast. Perfect for a person like me with vampire-like skin that burns at the merest hint of sunlight! I grabbed my secateurs, the garbage bags filled with the autumn leaves that I brought back from my little holiday in the high country – souvenirs don’t have to cost anything – and out I went.

I’m a permaculture gardener, which means that very little gets taken out from the garden in our green waste bins. I ‘chop and drop’, which means that I use the secateurs to cut all of the dead tomato plants, bean stalks or whatever into little, mulch-sized pieces and I leave them on the garden beds. Over time, this breaks down and gives you lovely, lush soil. Very frugal – wastes nothing – and very eco-friendly.

‘Chop and Drop’ is great for the soil, but it takes a lot more time than simply ripping things out and stuffing them in garbage bags.

Once I cleared a section of the wicking beds, I put a thick layer of the souvenir autumn leaves down, then a layer of mushroom compost and then some animal manure. This year it’s cow manure as that was the cheapest one when I went to Bunnings. Over the top goes a layer of pea straw.

Free peas. Just leave them to dry on the plant and you have the makings of pea soup – or plant for more free peas next year!

I love using pea straw for veggies. Usually, you get a free crop of peas. Last year I saved the dried peas and a few days ago I made a hearty pea soup with a ham hock. Bloody beautiful!

All of these layers of leaves, compost and straw are wonderful for the soil but are time-consuming and after a while, rough on the back. After a few hours out there, my back was starting to hurt. But I kept eyeing off the garden beds. ‘Push on! There’s a couple of easy sections over there. There’s still daylight!’

This is how I’ve always worked in the garden. Once you start a job, you push through until it’s finished. Of course, up until now, I’ve only had weekends and school holidays to Get Things Done.

2 dogs sleeping with a ball between them.
Poppy and Scout while I quilt, making sure they keep tabs on the best toy ever.

I worked in the garden from around 10 until just before 6. I did heaps of work – 6/12 sections of wicking beds are now done and dusted for winter. But when I came in, my lower back was in pain. There was a lot of bending and lifting going on out there. Luckily, I have a live-in remedial masseuse. Ryan26 is an RM and myotherapist. I hobbled inside and asked for a treatment.

I lay on the massage table while he treated me, getting lots of information about, “It’s your glutes, Mum. When they’ve had enough, they constrict and it pulls on the muscles of your lower back which makes your back ache,” or something like that. Remedial massage hurts, so I was trying to be in my happy place.

Then he said, “You have to listen to your body. Why didn’t you stop when your back started hurting?”

“Ummm,” I said intelligently. “I wanted to finish the job.”

“Aren’t you retired?” he said. “You know you can always pick it up again tomorrow.”

Oops. While I was out there I fell into the usual way of doing things – get it done NOW because time is short and you’ll be back at work tomorrow!!!

It honestly didn’t occur to me that I could feel the twinges in my back, walk to the shed and put the secateurs and bags of leaves, compost and pea straw away and go inside and read a book. I just kept pushing through because that’s what I’ve always done in the past.

Interesting. Even after 6 months of retirement, it still didn’t dawn on me that now – for the first time in my adult life – I have the time and space to pace myself. To tackle tasks in a more leisurely fashion, rather than race at them and attack like a bull at a gate. In the big scheme of things, does it matter if the garden beds take 2 weeks to be bedded down for winter, rather than 2 days?

It’s nice being out in the garden. Jeffrey curls up on the couch under the verandah and sleeps, positioned where he can open an eye every now and then to check where I am. Scout and Poppy bring the ball for me to throw and when they get tired of that, Poppy curls up next to Jeff and Scout disappears inside. I hear the birds, the people singing in the church next door if it’s Sunday and kids playing. Sometimes I work in silence, other times I have podcasts or an audiobook playing.

It’s lovely. Why wouldn’t I want to savour those moments over lots of sunny days, instead of racing through them? Isn’t this part of what gaining freedom over my time actually means?

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