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skiddingtowardsretirement

semi-retiring, work life balance, lifestyle block living

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work life balance

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.

 

 

 

New Life – Eternally Grateful

As it is coming up to a year since we moved from Auckland, I thought it was the right time to  say a thank you to all the people who have made the last year one of the best years ever for the man and me.

In no particular order, here we go!

Thanks to our friends and family for understanding why we wanted to make the move  and encouraging us (mostly) to follow our dreams.

Thank you to these same friends for being solid and keeping in touch with us, even though we were at least two hours away from the nearest ones of you!

Thank you also to those friends who have made the trip up to see us. We have enjoyed seeing you and sharing our new life with you. Please continue to visit. And to the others who haven’t made it yet, there is always a bed!

The same goes for family..  thank you for letting us leave, and for keeping us close, even though we were a bit further away.

Thank you to our new neighbours for putting out the hand of friendship and making the move here way easier than it might have been. We will always be grateful to Marie and John for the early morning visit the day after we moved to welcome us to the neighbourhood, Angela for popping in with a cake and an invite to her weekly patchwork group, Kevin from next door for calling in to introduce himself, and Brian for inviting us to dinner to meet his family.

Forming connections within this close knit community was made so much easier by these kind people.

Thank you to our tame farm manager, Kayel for helping whip the land into shape by making hay and then putting sheep on it. We will always be grateful for  your (ongoing) patience and tender handling of us townies.  Yes, we know you don’t normally pick up a stillborn lamb and place her/him in a special box, but you did so for us. We also know that home kill means on the property,  but this would be far too much for us, so you made sure the deed was done somewhere else. You will be pleased to know that I no longer feel squeamish about eating the animals on our land – I figure they had a good life with us and it would be a crime for omnivorous me not to eat their meat. After all, they made the ultimate sacrifice.

There is one proviso though, Kayel –  Wendy the lamb whom you hand raised and is now causing mayhem on our property by being the biggest escape artist out  will live a long and good life here.  Why? Because she views herself as more human than sheep and answers to her name so, no, there will be no freezer in her future.

Thank you to Clements Contractors for giving me the opportunity to try something new in the employment field. I love every day here, and yes, although my pay is considerably less,  my job satisfaction is off the scale.

So what do I like about my new place? Besides loving the challenge of learning a new job, I love the diverseness of the people I work with, their unfailing humour,  realness (yes, you know when they have had a bad day.. they take no prisoners),  kindness, and approach to life.  Lastly, I also must mention the owners, Sandra and Murray.  The  caring culture they have created here is amazing, and I feel so very lucky to be part of this. Total respect, guys!

I would like to thank the person who built the house we live in and the people who planted the garden.  The house is so easy to live in and does everything it should sun wise. And we love having a fire again for winter.

As for the garden, whoever planted it did the most awesome job. Colour galore – as one lot of flowers fade, another lot come into bloom. All through the year. Spectacular.

The same for the fruit trees, as the last of our mandarins are on the tree, the earliest summer fruits are ready to pick. Plums, apples, peaches, nectarines and apricots – yum! When we say goodbye to these, it will be feijoas and guavas. Not to forget the olives and macadamias! And then the cycle will begin again.

Lastly a big thank you to our Auckland friends, Raewyn and Garry who moved up here first and convinced us on a visit to theirs that it was a pretty good place for us to move to. You were 100 % right. We feel totally at home here and can’t imagine ever leaving.

Change is never easy and it certainly pushed us out of our comfort zone. It was, however, the best thing we have done. It has opened our eyes to a new way of living, and energized us.

Not to put too fine a point on it, we think it has been the making of us!

We are happy and content and the only regret we have is that we didn’t do it sooner.

 

 

 

 

 

 

 

New Life – Change master

It’s been three weeks since I rejoined the work force. For two weeks of this, I was running tandem jobs i.e.  electoral returning officer for the Advance voting part of the election and my new role as Health and Safety Administrator. This means I have had three pay days to date since becoming a working girl again.  I have another full pay due this Wednesday coming too.  How does it feel? Well, simply fantastic – there will be no more dipping into capital to survive!

Moving without a job was the downside of the change process for me. I did have thoughts of working for myself and explored many business ideas, but the fact is  working for myself is not what I want. There, I’ve said it!

Yes, this girl likes working for someone else. I like the structure of it. I like the regular pay packet. I also like the social aspect. I didn’t want to return to working full time however – it would compromise the lifestyle I was aiming for too much. I, therefore, am happy to be working three to four days per week 9-5, with the occasional early start and later finish (note the change from my last post where my day was going to be 7.30-5… there’s been a rethink on the part of the boss… phew!)

So what is the man up to. He is working for himself and is happiest that way. A creative soul, he is just about to launch some lovely outdoor furniture with a retro twist to it.

Successful change means recognizing what you want, but it also means recognizing who you are and then shaping the change to fit those parameters. For me, it is not working for myself; for the man, it is.

Which brings me to another story. My Dad changed his life entirely. Born in 1929 in Coventry, he was the third son of Lilian, nee Timbs, and John Downing.

Unlike his two older brothers, he was too young to serve in World War Two. He did, however, join up in 1947 and head to Germany where he served in the occupational forces. After leaving the army, he became a merchant seaman.

At some point, he decided that he would make New Zealand his home. He subsequently failed to get back on his ship when it was due to leave Auckland.

He lived the rest of his days in New Zealand, visiting England only twice.

When my last remaining English uncle died, my cousin told me they had photos that Dad had sent his family of life in New Zealand and they would return them to me.

The photos duly arrived and I looked through them.

Dad had missed his vocation – he should have worked for the NZ Tourism Board. The photos portrayed his adopted country in the best possible light. They also portrayed the family in the best possible light. The classic one being of my mother in shorts and running shoes. On the back, Dad had written: Dorothy going for a run. My sister and I can tell you categorically that my mother NEVER EVER went for a run!

I never really understood why my father left his loving family to move to the other side of the world until I spent time in England.

My dad was a Depression baby of working class parents. As an 11 year old child he was in Coventry when the Germans bombed the hell of it. It destroyed his city. It also killed his grandfather and, possibly, grandmother too*. Hardly surprising, Smith Street where they lived had an ordnance factory in it.

Yes, I am picking that his childhood would have been hard. It also would have shaped him. Going on the ships around the world would have opened his eyes to the possibilities of a better life for him, so he jumped ship.

So was leaving his family at the other side of world the right thing for him? As he got older, he missed his English family more and more. He also loved England: its countryside and its history. So yes, he definitely had some regrets. I do think, however, that the life he lived here was unobtainable for him there and he knew that.

Change. It’s never perfect – there is always a price to pay.

 

 

New Life – creating opportunities

The man and I are still of the opinion that the move North is the best thing we have done.

Life up here has added a new dimension to our thinking. We are no longer in a hurry. We have slowed down and are far more patient.

Today we headed North to a small place called Oromahoe. This area lies just shy of the turn off to Paihia on State Highway 10.

We went to this small settlement to visit the Northland Kauri Timber Ltd. We weren’t however after kauri, rather we were after eucalyptus, and they had it.

The entrance to the sawmill is marked by a variety of signs at its gate: sawmill, cheese, kindergarten.  What these things had in common was yet to unfold.

We drove up the long driveway passed a field of sows and piglets, a paddock of horses, and a few houses to the sawmill.

The man parked and went into the office. It was smoko time and the workers were sitting around having a brew.  The man explained why he was there. Unfortunately, the workers couldn’t help him.

Why?

Let me explain.

This is the North and it is a Friday.  This means the owner had gone off hunting for the weekend.

Apparently, the owner’s partner would have been able to help, but as it so happened, she was off at a funeral. The workers suggested we come back later.

Now we are realists – this is a country community, chances were that the funeral’s after match function would be long.

We decided to go to Paihia for a cuppa and come back about 1-ish.

At the duly appointed time we returned.

The wake must have been a good affair because the owner’s wife was still absent.

The man and I decided that instead of getting wood, we would settle for cheese this trip!

We drove less than a 100 metres to a small, boutique cheese factory.  On this short journey we passed a honey place on our left. Our interest was  piqued: up this driveway was a kindy, a cheese factory, a sawmill operation, a working farm and now a honey place.

At Fieldays a couple of years ago, we saw a pretty fabulous portable sawmill in operation (the man and I have a weakness for portable sawmills)  and it was named Mahoe Sawmills (http://www.sawmills.co.nz).  You guessed it – the cheese company was called Mahoe Cheese… was there a connection?

So we asked the young man in the cheese shop. The answer was yes. It was his uncle’s business and  he pointed further down the drive.

He further explained that this 110 hectare property was his grandparents’ originally. Grandma and Granddad had approximately 7 children, give or take (the grandson was pretty vague on this). A lot of these children are now running their own businesses on the land.

The grandson is the third generation working there. How cool is that?

We bought our cheese and purchased some organic sausages. Yes, these too are a product of this land.

We left inspired.

We will return for the wood! And more cheese* which is delish, meat and honey.

ON our next visit, we might even venture further down the drive to the portable sawmill company. We have an obsession to feed, after all!

 

*The cheese is sold at the Whangarei Farmers’ market too.

 

New life – well employed.

 

It looks like I am actually about to land a job! Celebrations all round, right? Well, yes and no.

I have (almost) got temporary employment for the election.  Yes,  I am in the running for a poll bunny job.

For those readers who are perplexed by the term ‘poll bunny’, this is the role which checks off each voter against the roll when they arrive to make sure they are 1. who they say they are and 2.  to ensure that the voter before the poll bunny is an upstanding citizen and votes only once, rather than trillions of times.

It looks like I might be counting the votes too.

And I may be a team leader on the day.

Oh, the power!

All those years of wrangling staff has certainly paid off.

Now these jobs are mine as long as I pass a small test tomorrow. I have been told I will fly through it. Blind faith from the woman who interviewed me?

Note to self: remember to take specs so I can read questions and tick the right boxes!

I also am in the running for an administration role for the aforementioned elections. This will mean training and working before the election and maybe some work after too. I am not sure of the hours, but being without a regular job means I have plenty of free time.

At the back of my mind, short term contracts which  replenish the coffers have immense appeal. I want the flexibility they offer. Either this or a part time three day per week role will work well for my lifestyle.

Ditto, the man.

I did sell out on this last week and went for a full time role. Again.

Over a nine month period, I have almost lost my way twice now.

Reminder to self: No full time permanent roles!

Luckily, I am pretty sure I won’t get offered it anyway.  I answered the change question far too honestly!

Note to self: if you truly want the job, Heather, learn to lie. Well.

Ultimately, however, the man and I still hope to run a small home based business.  We know what we want to do, but just have to finalise the product line*and how best to sell it. Internet? Markets? Retail shops?

Each has its pluses and minuses.

Decisions. So frightening!

Meanwhile we are talking to everyone we know who has financed the lifestyle we crave through a similar business model.

From talking to them, we know that by getting both the product and marketing right, it is 100% doable.

We will be sweet. We just need to back ourselves!

Nothing ventured, nothing gained.

*I, unfortunately, have a tendency to overanalyze things. I need to stop doing this and just do it.

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