Farewell, adieu

I’m off, not for good, but for a month to visit with my daughter and granddaughter in the UK. Preparing for this trip has been hectic, so much to think about and plan ahead for – my work, the dogs, the house, finances but most of it has been done.

Now the packing starts, thank goodness we are flying Emirates and have a 30 kg luggage allowance each because granddaughters gifts, birthday presents and Christmas presents are taking up a lot of space, not to mention gifts for friends we will also be spending some time with.

Oh well, that means there will be space for some shopping to come home with us too 😉



Reality Check

OH went back to work for the first time this morning, well I had to take him as he can’t drive with his moonboots. Needless to say he was not looking forward to it at all but he might have to re-assess his feelings about work and retirement plans for November this year.

On Friday afternoon we had a lengthy meeting with our Financial Advisor and it was a sobering and somewhat depressing affair. In spite of a lifetime of hard work and saving as much as we could while still trying to enjoy life while alive it appears that we have not made sufficient provision to live comfortably in retirement unless it were possible to know with some certainty that our expiry dates will be sooner rather than later.

Whilst I am committed to working for at least another five years OH was rather looking forward to retirement. Now it seems that he will have to find some sort of income generating occupation, even if only part-time so that our capital, such as it is, can be preserved for as long as possible.

Whilst I accept the reality of the situation I am not prepared to give up on my dreams of more travel in the future so I will have to do some creative “out-of-the-box” thinking to try and find a way to fund my dreams (and of course ensure that we play the lottery every week)!

I will have to up my savings dramatically over the next five years to boost my retirement capital which means less disposable income for those little pleasures that make life worth living.  Not a very happy outlook right now, but maybe when our FP presents the final plan with some further suggestions things might look a little brighter.

So whinge over, now it is time to count my blessings and remember that millions of people don’t have any retirement savings or even a proper roof over their heads and food in their bellies.