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What a lovely feeling

Discussion in 'Retirement' started by littlejackhorner, Jan 5, 2020.

  1. littlejackhorner

    littlejackhorner Occasional commenter

    I have been retired for a couple of years now but it's still a lovely feeling at this time of year to look forward to Mondays and the start of a new term. I can get up when I want, have no ridiculous targets to meet and can go on days out when it's so much quieter. To all my fellow retirees new and old enjoy January. To those who are not quite there yet good luck for the new term.
     
    razziegyp, Shedman, emerald52 and 9 others like this.
  2. Aquamarina1234

    Aquamarina1234 Star commenter

    I retired early in October. No pension, no nothing. Agree with all the above!
     
    Shedman and frangipani123 like this.
  3. cornflake

    cornflake Senior commenter

    Enjoy every moment - you will have earnt it!
    I'm very jealous and hope to relish in it too, one day!
     
  4. Luvsskiing

    Luvsskiing Occasional commenter

    My 7th year of retirement, having took the gamble and going at 50, despite the 'have I got enough' and 'am I doing the right thing' concerns. No stress. No endless behaviour problems to deal with. No gutless spineless SLT to navigate. Time is your own. Love being able to choose what to do each day. As the skiing season ramps up all over Europe, it's a magical 3 months of fun, sun, different resorts, gluwein, socialising and joy. Then two months volunteering in Asia again. At a loose end from June though! We'll see . The only real regret is not going at 45!!
     
  5. Morgelyn

    Morgelyn New commenter

    Yes, it’s wonderful! At this precise moment I’m enjoying coffee and cake at my favourite venue. This is following a leisurely get up. I keep grinning at the thought of not being in work for 7 am and all the rigmarole that goes with teaching nowadays. To all those thinking about retiring, I thoroughly recommend it!
     
    Shedman, emerald52, eljefeb90 and 3 others like this.
  6. Luvsskiing

    Luvsskiing Occasional commenter

    The main thing that gets you after about 6 months is how much better you look and feel. It's not just the fact that you eat better, drink less, lose weight, get out doors more and don't have a mind racing 24 hours a day to keep up with 10 hour slogs at work, although they help. It's the way that all those health problems you had for years gradually start disappearing. Over time, and I know this is strange, but I was able to go to the bog and have number twos properly for the first time in years, without pain. I sleep deeply now for about six to seven hours a night. There were many many times when teaching that I never slept but just dozed through the entire night, and over time, this turned me into a semi-***** for long periods. My headaches disappeared when I stopped teaching. I had backache and joint pains. They disappeared after about a year. Even the holidays that teachers supposedly 'enjoyed' were spent just recovering rather than having fun. Retire, and you rediscover life again. If you are worried abut the money situation, don't. Nearly everyone finds they need far less than they thought they did. If it looks just about possible, it almost certainly is, and you can always have a trial 'retirement', to see if it works out.
     
  7. heldon

    heldon Occasional commenter

    Year two for me and it's great.
    never had that number 2 problem though but can agree with the sleeping point you made.
     
  8. HannahD16

    HannahD16 New commenter

    Envious of you all but also curious.... is there anything at all you miss about working life? Did it take long to adjust. Just had a two week break and by the end of it I was looking forward to going back in spite of all the headaches I knew would be coming my way this term. Just wondering?
     
  9. diddydave

    diddydave Established commenter

    Adjustment is the right word, in school there is constant challenge so mentally you are incredibly active...having moved away from that I can see from the time I put in here on the retirement forum that I miss that mental challenge and I'm substituting learning about the scheme and channelling my impulse to 'help' that I think made me a reasonable teacher into alerting colleagues to the vagaries of the system ...but would I go back, not a chance!
     
  10. stopwatch

    stopwatch Lead commenter

    No pension? How are you living?
     
  11. Treacle3

    Treacle3 New commenter

    If you were looking forward to going back after 2 weeks holiday, you are not ready for retirement from teaching...imho... I would think very carefully about what you will be doing instead with your days and exactly how much you will enjoy those activities.
    I wanted to leave the profession for over 15 years but stuck it out mainly for financial reasons (I couldn't think of anything else I could do that would pay me as much and with 3 young kids and a mortgage I felt I had no choice). I left at 55 in August and was impressed with my "acting skills" over the years that the staff were clearly surprised at my decision. What do I miss?...
    Having more money - but as I'm working in other jobs (+ small pension), it's not that much of a drop, the relative "status" of being a teacher compared to my jobs now (only miss that status a bit), some of the management decision making I no longer do, some of the other teachers and TAs...
    However, I realised on Monday morning (or any morning tbh) that I don't wish I was back there. Any big life change is going to take time to adjust to - and I'm happy with how "retirement" has gone so far.
     
  12. littlejackhorner

    littlejackhorner Occasional commenter

    The only thing I missed was the children and I now volunteer in a local school. I can enjoy being with them and helping them but have no stress or worries. I suffered ill health towards the end of my career and eventually had to leave because of it. At least now if I'm ill I don't have the added stress of worrying about losing my job.
    Also you mention that by the end of the holidays you are looking forward to going back. I lost that feeling a few years before I left.
    I did think I would miss the intellectual stimulation of work. I am a governor so do get some challenge through that. Surprisingly though I really enjoy the relaxing and unchallenging things I do such as walking, reading, gym classes and socialising with family and friends. I think it's because I found the job so all consuming I missed out on this for 30 years.
     
    Beauherne1990 likes this.
  13. Luvsskiing

    Luvsskiing Occasional commenter

    I went from teaching teenagers in the UK for a few decades and hating it to teaching infants in slums and poor parts of Asia and loving it, and teacher training voluntarily. Really love teaching phonetics, games, songs, youtube stuff, colouring :). I only do this for a few months of the year though. Agree with the intellectual stimulation comments. Learning about phonetics has been really interesting and spent time in primary schools understanding how little ones learn. Learning German properly is fun. Taking guitar lessons another. Other stuff include learning to ski properly and navigating social services for elderly parents.

    My main ambition now is to get a job in a bar in a ski resort in Germany or Switzerland next year and really use the German. I fancy just spending an entire season skiing, serving beer and having fun in the mountains, blue sky, snow, laughing.
     
    Beauherne1990 likes this.
  14. eljefeb90

    eljefeb90 Senior commenter

    It isn't a comparable yardstick to compare two weeks of a holiday to retirement. Retirement gives you the chance to re-set your life and do things you want to do, rather than have to do. My major aim was to travel frequently and get heavily involved in my local U3A, both of which have given me lots of mental stimulation.
     
    Beauherne1990 likes this.
  15. shipscat

    shipscat New commenter

    I was off work the second half of the spring term into the first few weeks of the summer term 2019 due to being stressed out at work.

    Changes in management style and demands which did not seem reasonable in a job which I had been doing for over 30 years at the same school combined with suggestions if I didn't do things in the way they wanted me to I might find myself in the "C" club. There were also suggestions I was too expensive (UPS3) and this had just pushed me over the edge.

    Whilst I was off and with my 60th Birthday approaching in the autumn term I decided to have a detailed look at my financial situation.

    It quickly became apparent that I only had to bridge the gap from my 60th Birthday to my state pension age. I had enough savings and cash in an AVC to be able to afford to do it.

    Basically the AVC, which I have transferred to a drawdown plan to pay me a monthly income the equivalent of the current state pension, until the month before my state pension age plugs the gap.

    When I returned to school in the summer term I gave notice of my intention to retire at the first opportunity after my 60th Birthday which would be December 31st. School backed off and left me alone and I left in December.

    I didn't feel as though I had retired until this Monday when everyone went back. I feel really happy with my decision and intend to explore some other ways of making additional money - probably on line - I won't be looking to get back into education though. Had enough!

    Teaching wasn't a job I particularly wanted to do - I sort of drifted into a PGCE after completing my degree and a part from four years working in the family retail business and making a bit of money for myself selling early computer bits and pieces that is all I have known work wise.

    My real choice of career would have been something in transport - but it never materialised, despite going on a career course in the late 1990s to explore a change in career.

    Basically I became a wage slave - decent pay and long holidays kept me going in education - it wasn't really a love for the job. Just glad to have escaped! :)
     
  16. stopwatch

    stopwatch Lead commenter

    I'm now half way through my 2nd year of retirement. I don't even notice when the starts and ends of the terms are.
    I was thinking about what the best things are about being retired and they are (amongst others)
    • Being able to decide what pace of life I want to have at any given time (both fast, medium and slow - not just slow)
    • Being able to decide, on the whole, what I want to do each day. week, month
    • Not having to get up and rush around at the crack of dawn.
    • A calm and peaceful state of mind (most of the time)
    • Not having to worry about having to work, to earn money, to live
    Actually, it is basically the simplicity of things.

    ......... aaaaannnd relaaaaax, aaaaaahhhhhhh!!
     
    Beauherne1990 and eljefeb90 like this.
  17. HannahD16

    HannahD16 New commenter

    I had had a very stressful time a couple of years ago and this kick-started my thoughts about retirement. Things have settled down thankfully and I am back to enjoying my job. I am grateful however because this episode prompted me to really look at all my finances, not just my teacher’s pension. I realised how careless I had been over many years in managing my money and I resolved to use my remaining earning years to ensure I have the most comfortable retirement possible. I aim to have all debts cleared and I restarted a dormant AVC policy which lay untouched for years whilst I was bringing up kids and paying for childcare. I still have to decide whether to opt for faster accrual or additional pension as I reckon I can put a bit more aside each month than I’m currently doing. I am looking forward to having the time and the wherewithal to make plans and enjoy a healthy and active retirement. It’s just that this recent school holiday made me realise I enjoy work too much atm to want to give it up anytime soon. I appreciate all the various insights offered here and enjoy reading them all so cheers to you all and Happy New Year
     
    Beauherne1990 and emerald52 like this.

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