“I was thankful to my younger self for planning and anticipating our future needs.”
This was a quote I saw a few days ago on the Simple Savings forum, written by a woman in (I think) her 50’s, who was detailing the day she’d planned. She was able to retire in her early 40’s, she and her husband had a big veggie and fruit garden with chickens and they lived in a rural town that was close enough to the capital city to get there if they needed anything, but far enough away that their housing costs were small.
Her sentence really jumped out at me.
I’m hoping that I’ll be saying the same thing in a decade or so.
Here’s one way I’ve hopefully ‘future-proofed’ my retirement lifestyle. I’ve paved my entire backyard and the sides of the house with reclaimed bricks, so that Old Lady Frogdancer won’t have to bend down and pull weeds or mow grass. The paving runs around my wicking veggie beds, so that she’ll be able to grow organic veggies for as long as she pleases, saving on grocery bills and providing a way to spend some untroubled hours in the sunshine.
The paving on the lower level of the yard will be the floor for my outdoor room, which will be in place by the end of the year, unless something really unexpected comes up. Just have to hire someone to put up the roof.
These projects are not at all what you’d call cheap, but once the sting of paying the bill has faded, I know I’ll have decades of enjoyment out of them.
It’s no secret that I love love love my house – everyone who steps through the door for the first time gets a walk-through, as recent visitors can attest. But I’ve never been happy with the look or strength of the screen door.
A couple of weeks ago a caravan parked in the driveway of a house a street away was torched. It went up like a … well, like a great big fire and all the neighbours gathered to watch the firemen put it out. I’m away from home a lot, with the full-time job and all, and I met a few neighbours I’ve never met before and heard a few bits of gossip that I was blissfuly unaware of.
It seems we have an arsonist in our midst.
Around a year ago Evan21 came back after a run and said that he’d passed a burning bush. Nothing biblical about this one, it was alight. We’d forgotten about it until I heard from the neighbours that an empty house on Station St was burned to the ground a couple of months ago. A little while after the fire in the caravan, which was deliberately lit, I was talking to the young couple next to me who said that the local scout hall a couple of streets over had burned to the ground a couple of nights ago.
As he was telling me this, a couple of teenagers rode past. Now, I work with teenagers and I like them a lot, but these ones looked dodgy. In fact, I’ve seen them around a lot and I know they’re dodgy. My neighbour said to me as they rode past, “The next generation of (suburb name) Crime.”
He didn’t see the second kid, in a red beanie, swivel his head and look at him as they rode past, then keep looking back at us as he rode off down the street. Great, I thought. I had the dogs with me and everyone in the street knows my dogs. I’d be easy to identify, even though I hadn’t said it.
I was planning to upgrade security around the house once the boys left home, but even though I still have 2 adult men around the place, they’re away more often now and I’ve decided I should probably move that project forward. I have security screens on the windows at the front of the house, but anyone going around the back would be free from prying eyes.
I’m having some people from ‘Crimsafe’ come in and give quotes next week on window screens and security doors. Again, this will definitely not be a cheap exercise, but I’m putting it in the category of a younger self putting things in place for my older self. I’ve written before about how much being financially secure means to me, but I definitely want Old Lady Frogdancer to feel physically secure in her own home as she totters into her twilight years.
There’s so much to consider as you make the moves towards setting up a secure retirement. It’s not just the financials, though that’s stressful enough! It’s the other things that, while we have a secure income rolling in, we can set aside some funds to smooth the way for our older selves and pay for things now that they don’t have to shell out for.
I’m putting things in place to ensure that Old Lady Frogdancer will be able to travel the world for as long as she wants to. But I also know that I’m a real homebody, so making The Best House in Melbourne comfortable, safe and cheap to run is VERY high on my list of priorities as I get nearer to retirement.
I hope that in a couple of decades, I, too, can look back and say, “I was thankful to my younger self for planning and anticipating our future needs.” It sounds like such a nice position to be in.