How boring am I?

We had a catch up meeting with our financial adviser this week. In preparation we had to fill in risk questionnaires to see if our view of financial risk had changed, and so whether our pension savings were invested appropriately. The result was that I am on the 51st percentile, or to put it another way, boringly average.

I was disappointed with this result. Not because I am disappointed with how risk averse I am. I would not to want to be gambling with my money at a stage when I am retired and no new money is coming in. Nor because I am disappointed with how much I like to take risk. I worked in financial services for most of my career and understand that an element of risk comes with the returns that I think we should be getting from our savings.

But I am disappointed that it is bang in the middle because doesn’t that just make me very boring? I think now that I am retired that is my biggest dread. That I have become a boring old man. As an old work colleague once told me about retirement – my biggest adventure each day would be deciding whether to buy white or brown rolls for my lunch. I don’t think I am quite there yet. For me, my narrowboat life and long vacations are fascinating and I learn new things every day.

But I can see for others that my life must seem really unimportant and boring.

I think I will go and buy a lottery ticket.

February 23, 2024 5

First boat trip of the year discovers first problems

We have been staying on our narrowboat this week, in a marina in Staffordshire. On the way down, Mandy asked me not to rush taking the boat out on a trip. In particular she did not want to travel when it is wet and windy. I know she is right. Our trip should be relaxing and fun, not a miserable chore. But I have to admit that I have just been itching to get behind the tiller. So I was delighted on Monday to wake up to a bright sunny day, and we set off south towards Great Haywood.

It was a crisp cold morning and as you can see in the picture, the ice sparkled on our newly painted roof. This was a chance to enjoy ourselves, and it was lovely to be back travelling at 3mph. Our first trip out is also an opportunity to check out everything still works. The good news was that the work done over the winter seems to have been successful. The bad news was that the battery charging warning light would not go off. This is a potentially big problem because we have brand new batteries, and if we let them lose too much charge, they will become useless.

Normally I would try to diagnose the problem using a “Victron” app on my phone, which can monitor the state of charge of the batteries and what power is going in and out. Unfortunately the app was not working either. I did some checks to make sure there was not a critical problem, like the engine belt failing, and we decided we needed to return to base. In a boat you cannot just turn around. You need to keep going until you can find a winding hole with space to turn the boat. In retrospect this was a good thing because we did get to enjoy travelling all day, including four locks to start rebuilding my windlass muscles for the season.

Overnight I managed to reset my electrical devices so that the app worked again, and the following morning our friendly engineer found a wire off on the alternator. He also fixed a long-standing leak we have had on the water tank overflow.

So all in all a good result. We have had a nice day out, checked everything is ready on the boat, and fixed some problems which is always satisfying. We need to pop back to Scotland next week but I really want to be boating. We just need a little more sun!

February 16, 2024 0

How to deal with a bad day?

I am naturally positive. My instinct is always to see the best out of everything and to look for opportunities in adversity. Indeed, when I was working I would sometimes be criticised because I would not spend enough time on “what went wrong?” because I was always looking for “what can we do now?”.

But even positive people occasionally have bad days, and Wednesday was one of them for me.

Two things went badly wrong. The first was the dentist. I had an appointment for a crown replacement, but my new dentist took one look and told me I have bigger problems. Apparently I grind my teeth at night and they have worn down to a level where the back teeth are rubbing against each other and putting pressure on the side of the crown which was why it had split off. Fixing could cost thousands of pounds which I don’t have. In the meantime he put in a temporary crown and left me in a lot of pain as the anaesthetic wore off.

Then just as I was feeling down, my phone rang. It was the couple who are buying our house. At least they were. Their buyer had just fallen through so while they still want our house, our planned date of March 22nd is now impossible, which means the house we were buying in Lancashire is also off.

So no house and in pain. Not my best day. Mandy also understandably angry and upset. So what to do?

Normally my response would be to switch on my positive energy and find five great reasons to be happy about the day. It would probably have irritated all those around me but it would have made me feel good. But for once it was not what I wanted to do. I just wanted to wallow in my miserableness. I found a quite corner and read a book.

So now it is two days later and and I am very much back to myself. There are lots of good things that will come out of this. My teeth are fine – for now at least. We get to stay in Scotland longer. I will even get my 60th birthday Scottish bus pass. And if the Lancashire house falls through, there will be another one, Fate is our friend.

I have also decided – sometimes even the most positive of people is allowed a bad day.

February 9, 2024 0

What is it like to stay on a boat that does not move?

From March to October we are continuous cruisers on our narrowboat. We travel around the country seeing new places and meeting new people – having new adventures. We are already planning our first trip for this year, probably heading up to Liverpool and then crossing the Pennines to Leeds. I am excited at the thought and this week I made a boat improvement that will help – a map on the fridge.

We had the kitchen upgraded before last season and we have been very happy with it. The one thing we did not like was the white fridge, which did not look quite right. So I had a vinyl “wrap” made of the canal network and have put that on the door. Now, not only does the kitchen look better, but we can easily show visitors where we have travelled and where we are heading.

This is an example of the sorts of “jobs” I tend to do over winter, when the boat is moored in a marina. The experience of staying on a boat when it is not moving is different from our summer adventures. We are not seeing new places every day, and we are not enjoying the loneliness of staying overnight somewhere away from everyone. But there are advantages too.

The marina has plenty of facilities including electricity and water on the pontoon, toilets, showers, pump out, and even its own pub. We also have access to our car so I can easily get to shops or go to see people. I also really love the cold weather. Gongoozelers (non boaters) often ask if the boat is too cold in the winter. The answer is absolutely not. We have central heating from a diesel boiler, and a “bubble stove” that easily heats the small airspace in the narrowboat. Last night for instance was icy cold outside, but Mandy and I were in our T shirts and had to turn the stove off because it was over 24°C in the boat.

It is cold in the mornings because we tend not to have the heating on overnight, but it is cozy warm in our bed, and the boat doesn’t take too long to warm up. I also really love getting up to take the dogs for their first walk, and seeing the early morning sun glinting off the frost and ice on the boats in the marina. It is very beautiful.

Staying on a boat that does not move is a different experience than our summer adventures. But it has its own charms. I am just so happy to be back on the boat.

February 2, 2024 0