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skiddingtowardsretirement

semi-retiring, work life balance, lifestyle block living

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work life balance

Rhythms

Life on our land follows a relaxed rhythm year in, year out.

In July, the lambs were born. Always cute and fun to watch, our relationship with them has been short and sweet this time round – indeed, six weeks after their birth, we wished them au revoir when they were moved with the flock to a neighbour’s piece of land with more grass.

A few weeks ago the man began to source wood from the block for next year’s supply. As I will be retired next winter, the fire place will be used more throughout the day so the woodpile will need to be a considerably bigger than in the past. Luckily, the man enjoys the process of collecting, cutting and stacking wood. It does help that he has great tools for the job with his trusty, newly-serviced chainsaw, and his bow saw, plus all the PPE.

Marmalade making has also begun. This year, I am freezing the fruit so I can make small batches throughout the year.* I have been making marmalade so long that I can make it by eye, rather than by following a recipe – I have come a long way since my first batch many years ago where I boiled it to the point that it had both the look and consistency of toffee. The young me proudly gave the man’s mum a jar or two which she politely thanked me for and never mentioned again!

The spring weather is inspiring us to make long-overdue changes to the orchard and garden. Two apple trees which are past their best are going to be removed, as is a persimmon which has inedible fruit (a mouthful of cotton wool, anyone?). Two other sad excuses for fruit trees will be taken out in the next few weeks. These non-performers are going to be replaced with new trees including the Wilson’s Early plum which we planted yesterday.

The gardens are also having work done on them. The vegetable garden which was all, but abandoned, is relocating to just beside the house. A sunny spot, this should be a more workable location. We will start off smaller than the original one, but will expand it if needed, The worm farm which has been a success from the get-go, will also move closer to the house – again it will be considerably more convenient in this new spot.

This only leaves the compost bin. To date, we have never sorted out how to compost properly. The intention is to move this closer to the house too, and use it as it should be used. Yes, getting a handle on composting is one of the many things on the retirement list.

Lastly: With eight pays to go until I retire, everything is falling into place. Savings are going to plan, and the things I wanted completed are being ticked off one at a time. This month we saved more than we had projected we would, and ticked the three-yearly septic tank clean off the list. I also started an audit on what we are paying for bills – but that is for another blog.

Early retirement: I can’t wait.

*Wash whole fruit, cut into quarters and freeze in batch lots

Ride-on Hassles

For the last few months, the man and our ride-on mower haven’t been getting on. We blame this entirely on the machine which mostly refused to start and when it did start, refused to run for long.

The man would then spend the next few hours coaxing it to go long enough to do our lawn. Our frustration levels, meanwhile, went through the roof and our tolerance plummeted. Wrangling with a recalcitrant ride-on was not how we envisaged life in the country, we both secretly thought.

Which is why we needed to do a rethink about this lawn mowing thing. So we did. And we came up with two options.

Option A was to purchase a brand new mower and continue to do the lawns. The price of a new machine was between $8,000 -$12000. In addition to this, there were the ongoing running costs of petrol, oil, and everyday maintenance to factor in. At some stage in the distant future, this new mower would no longer be new and we would be up for a replacement one too or be back to where we were now – fighting with the mower to get it going. We tucked this (awful) thought into the back of our minds.

Option B was to out-source the task to a lawn-mowing contractor with his own machine. The quote was $100 per cut. We did the math. We could get 80 – 120 cuts for the price of a new ride on. Factoring in the additional running costs of petrol, oil and the maintenance costs and hassles, it made even more sense. At a cut averaging once every 4 weeks, that would be a fair few years taken care of.

Needless to say the winner was Option B. It was way more cost effective, removed the hassle of maintaining a machine and gave us some time back which we can use more productively on the property. It is money well spent.

Meanwhile, we have gifted our old ride-on to a local mower mechanic. It is been used for parts in reconditioned ride-ons.

Lockdown

New Zealand went into lockdown on Tuesday last week. The last time I was in lockdown was for five or so weeks last March/April 2020.

It is weird living in lockdown – almost other worldly. Where we live the traffic is always light; it is now even lighter. Working from home, mask wearing, social distancing, bubbles and sanitizing are the words of the day.

In spite of its challenges, this lockdown has completely removed any doubts I have been harbouring about retiring early. Indeed, it has categorically demonstrated that it is the right thing for us.

The fact is my enthusiasm and self-motivation levels have increased significantly this last week while at home, even though I am working remotely. I guess rolling out of bed at 7.30 instead of 5.45, and the no travel means I am not exhausted by the end of each working day.

Certainly this weekend, besides the never-ending cleaning and washing, I had the energy to finally start stripping the wallpaper in the kitchen, a job that I have put on the back burner for months. I also made bread, baked a slice, went for a walk, and spent quality time with the grandchildren in our bubble. I also managed to finish my book, and start on a new one. Bliss!

Bread – didn’t know if was going to be successful as yeast was old!
Wallpaper stripping – an OK job when you get into swing of it

The garden beckoned too – truthfully, I have ignored it since I started back full time 21 months ago , but this weekend, I rediscovered the itch to get my hands dirty working in it. Pity I ran out of time, but I now know that when I am no longer time poor, I will be out there getting it back into shape. Hallelujah!

Early retirement will mean we have to watch our dollars a bit more, but the man and I have no doubt whatsoever that the pluses of a more satisfying and balanced lifestyle makes this sacrifice absolutely worth it.

Roll on retirement.

Time to hang around the fire pit and toast marshmallows. The teenage grandson camped in the tent.

Putting the house in order

Having publicly committed to retiring in the New Year, I am getting my house in order.

This means making decisions about what we need to do to make our retirement work well for us. I have therefore got a list and a budget – a true Virgo, right?

My list started off with many grand things including recarpeting the house, recurtaining the bedrooms, a new fridge and a tent for copious camping trips. I have subsequently rethought this and the list is no longer an absolute, rather it can now be described as ‘a work in progress’ with items being added, taken away or parked.

The changes I have made are sensible ones, I think. I have decided against recarpeting – the carpet is fine and I am just bored with it. I also want to replace it with wool (it is wool now) and that is not cheap. I will therefore do it in a few years when most of our retirement savings can be accessed. The curtains – well, I have washed them initially in a bit of bleach, followed by a rinse and two out of the three sets are perfect again. The other one? A sad story really that would bring a tear to any house proud person’s eyes – suffice to say, I will buy new ones!

The new fridge? Well, I have purchased one after much research (how big, what make, energy rating etc etc) and it is looking mighty fine in the kitchen. The power bill has also reduced which is an added bonus.

The tent for our NZ trips has been relegated to the ‘decision pending’list. I will keep the $$ aside for it in the budget.

New additions to the list include a cat door with a microchip so our kind neighbour can feed our moggies, rather than every cat in the neighbourhood when we are away adventuring. I have also factored in some maintenance including the three yearly septic tank clean and new glasses for me.

Meanwhile, I am saving hard for this early retirement lark, albeit I am fast coming to the conclusion that we will dip into our savings pot early if required so we can do the things we want to when we want to. Yes, life is short, and we don’t want to live with regrets.

Carpe diem, folks!

PS I have been told I can join the temp pool at the hospital where I work any time which is kind of nice, though at this stage this is not what I see in my future.

Retirement date

Yesterday I gave my boss the news I was retiring. I also gave her my leaving date: 7 January 2022. Yes, I will do the honorable thing and cover the Christmas break as I’d agreed to a couple of months back.

I am feeling happy and content with this decision; it is completely the right one for us.

Meanwhile, the man and I are mulling over the next phase of our lives. At this stage, we have a fair idea of what we want to spend our time on – family and friends’, travel (within NZ while Covid rages, overseas when it has been tamed), hobbies (some old, some new), pottering around our lifestyle block, and giving back to the community. We don’t, of course, know every detail or how it will pan out, but that’s OK, we will be flexible and allow things to evolve.

What we do know is that our retirement is going to be busy and satisfying, and the man and I intend to enjoy every single moment of it.

Roll on 4.30 pm, 7 January 2022.

Shuffling into retirement

The man is now a Gold Card holder and is mighty pleased to be one. For those who don’t know, this means he receives a pension, or as a friend wittily puts it, he is now paid by the Government to breathe.

In relatively recent days – up to November 2020 to be precise – I would have been able to piggyback on his pension eligibility and receive one too if I retired. He, however, turned 65 in March 2021, so this door to early retirement funded by the state firmly closed to me.

When this change in eligibility was flagged, I wasn’t overly worried. The fact was I had only recently become aware of its existence, so I had never factored it into retirement planning.

Which brings me to my plans for retirement. I have plans to retire early. I have a date in mind where I will shut the door on a 8-4.30, 5 day per week job, and it is not too far away. To this end, I have worked out a retirement budget – thank you, sorted.org.nz. This budget is sensible – well I think it is! It reflects the changes in spending that happens in retirement e.g my day to day fuel bill will decrease substantially with no daily work commute, our electricity bill will rise, there will be no need to fund office clothes, even TradeMe purchased ones, spending for local outings, the occasional trip within NZ* and activities will increase. Yes, the budget has been worked out to allow the man and me a good lifestyle, with a bit of latitude factored in for those unforeseen expenses. Of course, the reality is we are not big spenders at the best of times, so that works in our favour, as does being mortgage and debt free.

Ideally, we don’t want to rely on the man’s Kiwisaver (private superannuation) balance* to fund our day to day living costs, but it will be our backstop if required – after all, we intend to enjoy this stage of life! Meanwhile, the man and I are saving as much as we can from our income to help fund the early retirement. We are also working to grow the small hire business we have – if Covid stays away, this should provide a welcome addition to our retirement fund.

Our plans for me to retire early aren’t just about getting the income sorted, we are busy getting our house in order too. This means replacing and renewing a few things: a new fridge freezer (our old one is on its last legs), a touch of decorating, and new flooring in kitchen and hall, plus a new gate to keep the sheep safe are all on the list. We have also upgraded my 21 year old car to a new Kia Stonic – the perfect jalopy for retired us to do our road trips.

After 45 years of working, retirement is just around the corner – and I must say, it looks grand!

*Overseas trips are off the agenda while Covid rages. When we feel travel is safe, we will fund it from retirement savings, rather than our sorted budget!

*I have Kiwisaver too, but won’t have access to it until I am 65. I will continue contributing enough to it to get the Government subsidy each year until I turn 65.

New Life – Mission accomplished

Dear Readers,

This is my last post.

The man and I have achieved what we set out to do: change our lives.

Thank you for following us on our journey and encouraging us (mostly) and caring for us (always).

The man and I are very different beasts. He jumps in boots and all, with hardly a thought about the implications further down the track. I am the polar opposite: I plan and think and overthink before I take the first cautious step to alter things that no longer are making me happy.

The step to move away from Auckland to a smaller place was always a dream for us. To have a shed and some land was the ultimate goal. We spent years  discussing it and more than one road trip exploring areas that might meet our needs.

But  in spite of saying when I started ‘Skidding towards retirement’ that we were going to make the change within two years, we still may have been living the same old Auckland life now, while paying lip service to our dream.

Except for one thing: I found myself in a stressful situation at work. One that no matter how hard I tried, and  I did try mightily hard to sort it, I couldn’t solve.

At the time, it was distressing.   I had many close colleagues I  worked with who I respected and enjoyed and who supported me at the time – and I am sure that wasn’t easy, as I was pretty wound up. Thank you. I also had  a community I knew and loved.

I was also well paid.

It wasn’t enough.

Thoughts of escaping filled my day. Overthinking Heather threw caution to the wind. Our ‘maybe’ plan to leave Auckland was brought forward.

We put houses on the market and bought at auction with a long term settlement.

Meanwhile, I ditched the job. Heart breaking at the time, but strangely liberating.

We have now been in our new home for 18 months. Our home has the shed and the land. It is also surrounded by beautiful beaches. A bonus.

I have a job I like and the man is working in a boat yard. I am back studying too.

We are forming friendships up here, while still retaining close contact with  family  and  friends in Auckland.

Change is hard. No doubt.  But in this case, it was the best move ever.

Simply: life is amazeballs

Au revoir , Readers.

x Heather and Grant

 

 

 

 

 

 

 

 

 

 

New Life – New Year

New Year’s resolutions.

I admit I have occasionally given these a whirl. You know, stuff like I am going to adopt a junk-free life style.

The lifespan of my resolutions is about a week. Or until the first piece of chocolate is offered to me. Whichever is sooner.

So this New Year’s Eve, I didn’t even indulge in the charade.

Yeah, nah, I don’t need NY resolutions conjured up while slightly tipsy on cheap plonk to feel in control. Ditto: the man. Yes, 2018 is going to be a great year for us.

So what is it that will make 2018 a stellar year?

2017 may have been the year of change, but 2018 will definitely be the year of consolidation.

First and foremost is that we go into the new year incredibly happy and content with all aspects of our lives.

A great foundation to begin with, we think.

We won’t stand still though. We do have plans.

The man and I will continue to develop our property in our slow way.  There is no rush, we will focus on the journey.

The man intends to get a jobette. In part, this is for the social aspect. Working by yourself is isolating. And even more so when living in a new community. Of course, we would be lying if we said the money wasn’t welcome either, but it is very much a secondary consideration.

For me, 2017 saw me land a job in a new field and finally shut the door on a career that I had wanted to walk away from 10 years ago. Except I didn’t have the balls.

This career move has paid dividends. I now wake up every  morning looking forward to going to work, to being challenged, and learning something new.  And it gets even better, my bosses have plans for me. Career development. To this end, they have offered me the opportunity to upskill and study in 2018. This old girl said yes.

Travel plans this year are dedicated to catching up with friends and family. We intend to (finally) fit in a trip to Christchurch and Wanaka to see friends. Another trip to Melbourne to visit a sister is on the cards too, with, maybe, a bit of a side excursion thrown in. And the lovely Hawkes Bay also beckons. Like always, the main constraint to these plans will be time!

No doubt, like every year, things won’t necessarily pan out exactly as planned. There will be obstacles. We are, however, starting from a grand position.

2018. Bring it on!

New Life – Harvest time

vege garden

Today it is exactly a calendar year since we moved into our new-to- us home in Pataua South, Whangarei.

This means we have experienced four seasons. As a general comment, we think Whangarei is a good 2 degrees hotter than Auckland.  We are also now very attuned to rainfall, or lack of it, as we rely on tank water (again). Strangely, living out on the Heads  seems to mean  the Rain Gods often give us a miss. It will be bucketing down at work, but often when I get home I will find that not one drop has fallen out here.

Needless to say, it is always when we need it the most too. Like in the height of summer when the vege garden could do with a good drenching. Or the time when the man inadvertently filled the troughs but forgot to turn the tap off. In the latter case, Murphy’s Law came into play and the ballcock failed us too.  Yes, it was good bye to more litres of precious water than we care to admit!

But let’s swing back to the state of the vege garden. I am pleased to report that it is doing well, or most things are. We did lose the last lot of lettuce I planted to the slugs. And it was touch and go with the corn and the tomatoes  when a ferocious wind came through about 10 or so days ago and flattened them. Luckily, the corn and tomatoes were able to be saved and are flourishing again!

The crops that are doing well beside the corn and the tomatoes are the garlic, the capsicums, courgettes, lettuce, rhubarb and chillis. These are all down one end of the

scare crow

garden.

The other end has the beetroot, beans, cucumber, and spinach.  These are growing, but unlike the other veges, are not thriving.  The soil here seems to not be as friable, so I figure I need do some research to correct this – maybe add some compost to it or other magic potions? Not sure, but I guess I’ll figure it out.

Which brings me to compost. At the moment I haven’t got a bin. I was slightly put off the idea of compost when a friend told me she had opened hers and found herself eyeball to eyeball with a humongous rat. The pits, right?

However, I have moved past my fear and decided I do want one. In fact, I need one to be Ms Efficient Gardener, so I am going to get one! Actually I am going to twist the man’s arm and get him to make me a wooden affair with three bins in it.  This is going to be one of his summer projects, as is starting on the hens’ accommodation and enclosure.

As for the orchard – well, I pruned in my haphazard learner’s way and started a spray programme a few months back. Yes, this woman had high hopes for bumper crops of plums, apples, nectarines, and peaches.

To date only the plums are ripe. And in spite of having two and a half trees (a past owner cut one tree down which I am now letting regenerate), we have had a miserly crop. I did have concerns that any possum within cooee would have taken up residence in the orchard and feasted on our produce, but there is absolutely no evidence that they are the culprit. No, the sad fact is that our trees have not yielded much at all. So little that I very much doubt that there will be any plum jam made this year.

The apples are another sad story. Last year, the trees were full of codling moth (note Dear Reader, I was going to put an expletive in front of the word ‘codling’ but refrained). This year I was determined to deal to the blighters. I purchased sticky things to pop in a state-of-the-art plastic green thing that a former owner had positioned in one of the apple trees. This sticky pad attracts and traps the male. Once the males start arriving, this then signals to me that I need to swing into action to dissuade the females  from moving into the apple crop. I also sprayed around the two apple trees with Neem oil as this apparently deals to the female before they start to wreck havoc with the fruit.

All well and good right? Well, yes and no. The plan failed miserably because the former owner had the green plastic thing hanging in the wrong tree. They had it on a plum tree, not an apple tree. I therefore had sprayed Neem oil around the base of the wrong tree. By the time I realised my error, the wretched female codling moth had started her quest to damage my fruit.

Of course, I have done some remedial work to try and save some of the produce, but realistically it is touch and go. Next year though, I will win the codling moth war.

I am now pinning all my hopes on the peach and nectarine trees delivering!

Meanwhile in the land of pretend farmers, we are getting ready to say sayonara to two of the lambs. Kayel turned up yesterday and said it was time.  Not so long ago, I struggled with this concept. Now? Well, not so much.

The man and I have grown here. Definitely.

 

 

 

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