Hi,
Retirement can be good or bad. How many work hard at a job for 50 years having few interests outside work then suddenly retirement is thrust upon them; the day after retirement they drop dead.
Bron and I planned for retirement shortly after we married 41 years ago; we saved very small amounts of money at first and the only debts we had were the mortgage and car living within our means; we've not had an holiday away from home for the last 40 years; holiday time was the time we carried out big jobs on our home; we've never felt the need to get away but spent our money where we could enjoy it for years to come rather than just have memories. All around us people were buying expensive cars and having extensions etc built on employing tradespeople; Bron and I did everything ourselves learning as required. We worked hard together and 30 years ago moved here into our detached bungalow where we've done exactly the same; finally last year we had the bungalow to our liking allowing us to focus on the gardens.
Our lives are very basic; we enjoy each others company and support each other in our respective hobbies; we've no kids and no family just the two of us against the world. We have extremely few real friends we trust but we have so called friends who are more acquaintances than friends. Bron's been abroad once to Paris with an artists group on a painting holiday before we married; I've never been abroad nor on a plane; I miss neither of these.
Bron and I don't lead separate lives; we share everything with no secrets; we both look after our money and we only have one car; we remain home together we go out together; in 41 years the only time we've been apart is when one of us has been in hospital. So how do we get on and fill our days being together like this full time.
It really comes down to planning; we both paid into pension funds allowing me to fully retire aged 53 in 2000 not being a burden on the state but self funding until finally reaching retirement age then the government kindly informed me and later informed Bron that pensioners are a burden upon society because we have lived to pension age; it's becoming even worse because pensioners are a burden upon the NHS; just watch the BBC News and listen to the way pensioners are regarded; I'm not in any way being political it's just a fact of life and I'm sure all pensioners dislike being looked upon like this.
Everyone is different; Bron and I dislike sport so we don't take up golf as many pensioners do; we don't drink alcohol or socialize; we don't smoke or do drugs; we like our basic lifestyle being content with what we have; we are still not free to do as we like in fact our main problem is our dire weather that prevents us enjoying retirement to the full; whilst at work we were under cover so didn't notice this bad weather as much and put up with it whilst at home but now we suffer this bad weather most of the year and it really is terrible; I'm sitting here when I'm wanting to be in the garden; yes I know it's now winter but our seasons don't understand this the seasons are all the same; I got up to frost this morning but half an hour later as I popped out to the wheelie bin down came the rain.
Working inside our bungalow is like working inside a black hole even in mid summer because of the weather; trying to work on the outside of the bungalow is a nightmare. Fortunately we have many hobbies; I adopted restoring vintage radios for the first ten years of my retirement giving me an interesting hobby to pass away our very long winters; I enjoy all aspects of wood/metalwork and over the years have gathered lots of machinery and kit; last year I converted our garage/workshop into a full time workshop so now I can potter around inside.
Because we've not tried to brag or impress anyone over the years we've saved; we paid the mortgage off the week I retired so apart from general expenses we find we can live well within our retirement pensions to the point of even saving; many finding themselves in retirement are going to be in for a huge shock when they try to live on state pension alone; we can afford to indulge in our hobbies; this is now our time to enjoy which we've waited so many years for whilst others have been living life to the full on their plastic cards.
Bron doesn't drive but I enjoy taking her wherever she wants to go usually to buy crafting materials or visit stores such as M&S; we share our lives and everything else; we want for nothing and we are content to remain home; it's lovely living here in our dream bungalow. Without doubt the biggest downside is the bad weather.
If I had retired and spent my days lounging in our front room being idle with lager can in one hand and cigarette in the other had watching wall to wall sport on TV I think I'd jump from from a bridge but many enjoy being idle in retirement; please see this video and although "Keeping up appearances" is only a TV series many actually live like this; it's all down to choices and if we live long enough to reach retirement are we going to be prepared?
Members on this forum have one thing in common; an interest in gardening but here in the UK gardening is governed by our weather so other means of enjoying our free time needs to be sorted out. I've just endured the worst six months of my retirement; last year having caught up with the bungalow I made a stepped change in my life getting into the gardens at last; I quickly found I had run into a brick wall; gardening wasn't the pleasure I expected it to be it was a punishment; I was either soaking wet; being blown around in a gale or frozen; many days suffering all three of these; I kept going out for short spells coming back in wet and perished; at first this was just an inconvenience but as the months passed by it became a torture now we have ice; frost; snow rain etc it being winter proper but I was out last year in mid summer with similar working conditions; no it wasn't snowing or freezing but it did pepper me with hail and many days were below 10C meaning being wrapped up in heavy clothes against the weather. I started to become more and more fed up and have now quit gardening it's impossible to do anything in the garden and I wonder if 2018 is going to be a repeat of 2017; perhaps 6" thick concrete will sort the garden out then it will stop tormenting me. I did a huge amount of work in the garden in spite of the bad weather but I didn't enjoy it.
Whilst at work dreaming of retirement is real and something to look forward to but as with many dreams they seldom live up to it in reality. I'm once again my cheerful self having dumped gardening and am now on with a decent workshop project which will offer up lots of problems and challenges; I've moaned long and hard about the weather ever since I tried gardening but now I've switched back to the workshop and can once again enjoy my retirement; Bron is happy with her crafts so harmony rules once again; there's a big rumour circulating about "Global warming" I wish it would come to Yorkshire because its perishing here.
I much prefer retirement to being employed in a job; it's all about doing what makes me and Bron happy and it needn't cost a fortune; I love visiting scrap yards and timber yards looking for offcuts that I can make something useful from; many of my vintage radios would have been rejected by a skip due to being so rough but I enjoyed restoring them to as new condition this hobby often costing under £10 per week.
One thing worth mentioning and something Bron and I see often is how some marriages work; retirement forces couples into constant contact and this can really create havoc; we have neighbours immediately to one side and other neighbours directly across the street from us; why are they still together when they appear to hate each other; each pair of neighbours are at each other's throats shouting and falling out all the time; it's distressing to watch and to hear in fact the foul language at the top of their voices next door is an embarrassment to us; both couples are retired but retirement to them is more like world war three. The wife next door once said to me "You and Bron get on don't you" I replied I love Bron to bits and will do anything for her; Bron and I now have a police file open on this neighbour for harassment because she's been causing us a lot of trouble; she's so unhappy she's taking it out on us.
Retirement as I say can be good or bad; Bron and I are very happy in retirement but many aren't. Just me rambling on before I head into the workshop for a bit of quality time with my machines.
I'm hopelessly colour blind so adopting restoring vintage radios was a big challenge and I started from scratch it being an entirely new hobby for me: enjoyed making all the many mistakes; I joined vintage radio forums and over ten years fully restored over 100 radios so retirement needn't be boring or dull; retirement is supposed to be enjoyable so make sure it is and go for it; good luck.
Kind regards, Colin.