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Thread: Retirement

  1. #141
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    Quote Originally Posted by Super Steve Earle View Post
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    Oh no, that's awful. How can you live like that?

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    • #142
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      Quote Originally Posted by Napier's Knee View Post
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      I took "voluntary severance" at 55 and was lucky that I could start claining my pension pretty much immediately - I was a university academic so the pension was final salary and I"d been topping it up for years. We'd also paid off the mortgage - we'd kept it low by never moving since 1992. This is the first important thing about taking retirement - do the sums work? If they do (and you'd be surprised how much money you spend just on going to work - you need less money when you retire), then you need to ask yourself the question: "can I afford psychologically and as a human NOT to retire?". The other thing you need to do is get all the legal side in order - wills, powers of attorney. Make sure you get a good solicitor to do this - it costs but is worth it. Our solicitor severed the joint ownership of the ouse that me and Mrs Knee had - we now legally own only 50% of the house each so if one of us needs to go into care at any point, the assessment can only take into account 50% of the value of our property. If I die first my half of the house is inherited by my daughter. A solicitor will talk you through this.

      As for day to day life, the isolation was bad at first but I started doing voluntary work, I now read a lot and reckon I actually know stuff about football tactics now (although my remarks at the Amex and on here maybe disprove this). The Albion became really important to me because the football season gives a structure to the year that it wouldn;t otherwise have - football kind of gives a narrative to time, if that makes sense.

      but most importantly, my stress levels have gone down, i'm healthier (although still a fat sod), my wife actually enjoys spending time with me again and we go on more holidays.

      If the sums work for you, retire and look ahead to the best time of your life since you were about 20.
      So .... I kept a daily record for 4 weeks of every penny I spent. Tedious, but worth it. So much money wasted on frivolous rubbish I didn't need or things I wouldn't buy if not at work. I had 3 lists, Food etc., Alcohol and Misc. The Alcohol list was the biggest shocker. Anyway, just waiting for 1st pension payment and then I'm under the wire.
    • #143
      Members Rugrat's Avatar
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      Quote Originally Posted by Weststander View Post
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      Several distant employers are unknowingly paying people 'working from home' to tap away / read on NSC for half their day.
      Only 50%? As I near retirement my ratio of personal to business 'work' in my (very remote - thank goodness for IP phones!) work from home is nearing 90/10

      No feelings of guilt whatsoever ... after 35 years+ I'm in massive credit
    • #144
      Two Mad Professors Two Professors's Avatar
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      Quote Originally Posted by pearl View Post
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      I already have a form for my SENIOR railcard
      My wife got the railcard sorted,but has the family option,which seems to cover most of the population!
      In Chris We Trust.
    • #145
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      Good point, no more work.
      Bad point, nothing to do.
      Jimmy Melia's shoes.
    • #146
      Absolutely Sheeboed Tom Hark, Preston Park's Avatar
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      Quote Originally Posted by OzMike View Post
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      Good point, no more work.
      Bad point, nothing to do.
      Well that's Perth Australia for you
      Buy The Ticket,Take The Ride - Hunter S. Thompson
    • #147
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      Redundant last March and received about 2 years money to last the 3 years until pension age.

      Always been tight so money is under control. Am doing a gym (part of AITC) and Walking Football. Am also doing Befriending and have just started helping at Community café & Foodbank.

      Really enjoy having the time to do what I want, when I want. I do miss people from work but meet some fairly often. Can hardly remember what I used to do at work! I love this retirement lark.
      40 years of watching the Albion makes me an official Boring Old Git.
    • #148
      Now The Party's Over Beach Hut's Avatar
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      Leaving work 25.01.19 and taking pension.

      Not going to do nothing so will try and get some part-time work
      I surrender all control
      To the desire that consumes me whole
      Leads me by the hand to infinity
      Lies in wait at the heart of me - the Albion of course !
    • #149
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      Quote Originally Posted by Beach Hut View Post
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      Leaving work 25.01.19 and taking pension.

      Not going to do nothing so will try and get some part-time work
      Don’t leap straight into anything. You need to find out if you get bored first.

      The first month will seem like being on holiday, tinged with smug guilt in realising that this is it!!
      never forget what Stanley, Archer and Bellotti did
    • #150
      Now The Party's Over Beach Hut's Avatar
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      Quote Originally Posted by timbha View Post
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      Don’t leap straight into anything. You need to find out if you get bored first.

      The first month will seem like being on holiday, tinged with smug guilt in realising that this is it!!
      That's a very salient point and will take some time to work out what is worth doing work wise as seen many just go straight back into work in the wrong job.
      I surrender all control
      To the desire that consumes me whole
      Leads me by the hand to infinity
      Lies in wait at the heart of me - the Albion of course !

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