Retirement-Your Experience

As long as you keep your mouth shut, no real problem.

 

Well, a mate of mine who retired two years ago pops in from time to time, if he needs some timber or screws etc.
He can only come if he brings cakes or doughnuts

But I guess that's because it's a small place and we are genuine mates, known him for 49 yrs.
He has been invited to our last two Christmas meals as well.

Not sure it works like that if you have worked for a large company.

 

I finished with working over 18 years ago, and have managed OK on my small early retirement occupational pension, so well that Mrs Scrungee (who's much younger than me) was also able to stop working.

When you have the time to save money, life becomes so much easier, plus you can do (and be) everything you've always wanted.

And that's well before either of us are approaching state pension age.

 

As I finished work less than a year after you, my memory must be better than yours.

 

I dont reckon much on that Ghandi bloke.

I mean, he only made one film.

 

I'm afraid many of the younger generation will be still be working long after the age when they can draw their state pension.

It's not entirely their fault.

The ridiculous price of houses is to an extent due to the relaxation of mortgage lending rules.
Orginally it was a case of one wage earner, one mortgage, (wives' earnings didn't count) and only 2.5 times earnings. Plus you needed to have a sizeable deposit. When we bought our house I paid 10%.

Then it became a free for all, with house prices rocketing.
These days, for many young people it's live for today, don't worry about tomorrow, credit is so easy. I was behind a young woman at the checkouts in Sainsbury's the other day, on the belt beside her was a birthday card and a £25 River Island gift voucher. She had a very small purse in her hand which she opened and she leafed through the best part of two dozen cards, before she found the one she was going to use. In our youth we did buy some things on HP, but only one thing at a time. We didn't buy anything else until that one had been paid for.

 

Even well before any State Pension age you were probably thinking of.

 

I use my credit cards lots of times. I collect points and then use the points to get things for the kids and grandchildren . One card can be used for any currency and ghere is no extra fee for the exchange process.

I'm semi retired now. And I am always busy. I'd be fully retired if it wasn't for the fact that I spend plenty on my hobbies and family