More reasons to love Scotland

We are having a couple of weeks away in the Scottish Borders, staying north of Dumfries. The cottage is remote and with no light pollution, it is properly dark at night. I had forgotten how much stars “pop” in a properly dark sky. They look amazing. The countryside around here is very beautiful. I have been doing a couple of sections of a long distance walk called the Southern Upland Way. January is such a quiet time here. Most people do not want to take time off work, so soon after Christmas, or if they do, they want to go somewhere hot or to go skiing. Over 30 miles walking I don’t think I met another rambler.

Crawick Multiverse – just off the Southern Upland Way

Being retired has many benefits but I think the best is that I have time to do things like this. When I was working I was lucky enough to have six weeks annual leave a year. But still, to take two weeks in January would have been a big chunk of that, and if I did take the time, I would feel I needed to maximise the time, by being busy every day. Now I am retired I have no rush to do anything. Yesterday I did a long walk and today I plan to relax. It is a crisp cold sunny morning, so maybe I will take the dogs out, then light the fire and watch a film or read a book.

My fire. Not my feet.

While I am excited to be planning to get back to our narrowboat for several months this year, I feel very grateful that we live in Scotland in the winter. It is such a beautiful country – about the same size as England but with a much smaller population. There are many new areas, like this, for me to discover, but also the familiarity of great cities such as Edinburgh. There are castles around every corner, mountains and hills, lochs and beaches.

Drumlanrig Castle, just up the road from where we are staying

Personally I do not support independence for Scotland – I also love England, Wales and Northern Ireland, and see the benefits of great countries being joined together. But I still love Scotland. Beautiful, proud and full of character.

Haggis for my tea tonight I think.

Eight wishes for 2022

Happy New Year’s Eve!

When I was working, we used to write objectives for the coming year. So this year I have decided not to make resolutions about things I will stop or start doing. Instead I have identified eight outcomes to aim for by the end of 2022.

  1. I will have a happy family. For various reasons the past couple of years have not been easy for my sons, but things are on the up and this will be a good year. Mandy and I will continue to love our retired life.
  2. We will have had an amazing year on the narrowboat. Last year we were able to spend 4 months travelling the canals in the north of England. This year we will spend over 6 months in the south, meeting friends and family as we travel, seeing wonderful places, and enjoying the best of the countryside.
  3. I will have lost weight and will be fitter. I made pretty good progress on this when we were travelling last year, but the past couple of months have been more slovenly.
  4. We will have decided where we want our house for the next twenty years. This was also a goal for 2021 but we have struggled to choose between the many wonderful places in the UK.
  5. Covid will no longer dominate our lives. This is a hard goal for me to achieve by myself, but I have a good feeling that after the Omicron wave, we will be living with the disease as we do with flu or a cold.
  6. I will have been abroad again. I have really missed travelling. This year I want to go to at least one new place outside the UK.
  7. I will have experienced many perfect moments. I love those moments when you suddenly see an incredible view, or a sunrise, or you sit down with friends for a wonderful meal and you realise that it does not get any better than this.
  8. I will have continued to write this blog. There is something about writing each week that I find really satisfying and mindful, as I take the opportunity to reflect.

What about you? What are your goals for 2022? Whatever they are I wish you a very happy, healthy and prosperous year.

Love Pete

One Year Retired – 5 reasons I miss work, and 5 reasons I don’t

This week marks twelve months since I retired. Overall it has been a wonderful experience but I am not pretending there is nothing I miss.

Five things I really miss about work are:

  1. The people were great. I know it is corny but I do miss them. I worked with some really talented and really fun people. I try to keep in touch but I am rubbish at it.
  2. I miss weekends. The routine of work and the rhythm of a working week are something I have lived with for nearly 40 years and it feels strange that I can now do anything any day. Either every day is like a weekend, or no day is like a weekend.
  3. I miss chatting early in the morning. I used to wake before 6am and email, text or call with my fellow early risers. Sotimes I now have a lie in till 7am or occasionally 8am but more often I am up by myself these days. Nice to have my own space but I miss sharing.
  4. I miss having money coming in. This is a bit of a strange one because we worked out our finances before I retired and we can afford it. We even have our money set up so that a fixed amount goes into our account each 18th of the month, just like it used to. But there is something psychological for me when it is existing money I am spending, rather than new money coming in.
  5. One year in and I still don’t really understand what being retired means. I was warned it would take a long time and it has. To some extent this still feels like one long holiday, and I still rush at what I do.

Two things I though I would miss but I don’t:

  1. I thought I would miss making decisions that really mattered. I worked in the sharp end of banking and some of my decisions affected literally millions of people and very large sums of money. I remember ny friend Matt (who reads this blog) telling me that the biggest decisions I would make in future would be whether to buy brown or white bread. He was absolutely right but I really don’t mind. The decisions I make these days are about me and my family, and I am very happy with them.
  2. I thought I would miss the adrenaline of work, especially when things went wrong and needed fixing urgently. Looking back I think I was a little addicted to that adrenaline, but I don’t think it was healthy. I am much happier being more chilled now.

And there are many things I love about being retired:

  1. I am not tied down by anything. If I decide I want to cancel all my plans for tomorrow and do something different, I just can.
  2. I can take as long as I want. When we were on our narrowboat I did not have to think of where I needed to be by Saturday – we could go fast or slow.
  3. I get to meet new people, do new things. Orkney for a month for instance was a great opportunity I could never have had while working

Overall I have no doubt I made the right call to retire and I am really looking forward to whatever new adventures 2022 will bring. But as it is Christmas I will raise a glass to my time at work, and to all my friends from that time.

A wonderful Christmas to all.

Pete x

Why does deleting my contacts make me feel weird?

My wife Mandy has been writing Christmas cards this week. One of the ways she works out who to send to is to go through our shared contact list. She complained that there are hundreds of names to go through that are from my work, and I no longer need them anymore. I agreed.

So this week I have been going through the contacts name by name, deleting those that are no longer relevant. People that I once worked with very closely but who I will never see again. It has been a weird experience and one that has made me feel both sad and happy at the same time.

Some of the names were fine – perhaps someone that I didn’t really know, or one of many recruitment consultants that I will never need again. But often, a name will bring back vivid memories, Maybe an image of the person in my mind. Or a memory of something that happened at work together. Deleting the contact is such a definitive end. I have probably kept too many but it hurts.

However, it has also been a very happy experience. I have been so obsessed this year with loving retirement that I had forgotten how important work was to me for 35 years. And the thing about work that was so important to me was the people, not the work itself. It was probably what made me good at my job. I always cared so deeply about the people I was working with. And the memories of those people brought back those feelings. I have been very lucky to have known so many great people over the years.

I don’t miss working. I don’t regret. But it was so great to work with so many wonderful people over the years. I am lucky.

End of part one?

We are back in Scotland. The narrowboat is safely moored near Market Harborough and ready for the winter. Our long trip is over.

For the past few years my retirement plans have centred around spending time on the narrowboat. We reckoned that by the end of the trip we would know whether Mandy and I still get on, whether we actually love boating or it was just a dream, where we want a house, and what we want to do with our future.

So how have we done?

The good news is that Mandy and I still get on. We have rubbed along very nicely being together 24 by 7 in a small space. We have discovered that we absolutely love to meet friends and relatives, but we also love the times when we are moored in the middle of nowhere, with just each other for company.

We also have found that we do love the canals. We love seeing something new each day, the beauty of the countryside, the history of city centres, the pace of life, the community. It feels very sad this week that for this year it is over.

In terms of where we want a house we have not made so much progress. We absolutely love Scotland. Where we live now is very convenient, but Fife or the Highlands are also very appealing. We have also considered moving back to northern England to be nearer friends and family, and nearer the canals. Alternatively we could live on the boat 12 months a year, but for now that feels too scary for me. Maybe a house with a mooring for the boat. We have certainly spent time discussing options this year, but are not a lot further forward on a decision. No rush I guess.

What about our future? No decisions there either. But I think we have made progress. We have found that in retirement there is no need to make long term plans. We know much of what we are doing this winter (Orkney in November, Swinton Park for Christmas, maybe skiing). And we know we want too spend six months on the boat next year. That is enough for us.

So probably 5 out of 10 against our goals for this summer, but the way we both feel is more like 10 out of 10. It has been a tremendous time and we want more.

Have a great weekend. Pete

Ten lessons I have learnt in the first six months of retirement

This week marks the six month anniversary of me retiring, and is an appropriate time to reflect on what I have learnt.

On the cut this week
  1. Work is much less important than I expected. Many people would tell me that after 35 years I would miss the challenge of work, and that I would be back soon. It has not turned out that way. I have been offered odd days of highly paid work and have turned them down. Maybe that will change in the next six months but for now, retirement is definitely for me.
  2. Sleep is great. I have always got by on about six and a half hours of sleep. Although I still like to get up early, I now have about eight hours of sleep. It definitely helps my well being.
  3. Food and drink are far too accessible. At work, even working from home, the rhythm of meetings kept me busy all day. Now it is much to easy to reach for the cookie jar. One for me to watch in the next six months.
  4. I love the freedom to do the unexpected. Yesterday, we were moored up, and I discovered the Falkirk monument was nearby, commemorating the battle between Jacobites (Scots) and Hanoverians (English) in 1746. I spent a happy afternoon wandering the battlefield imagining how it would have been.
  5. Mandy and I really like each other. I had heard so many stories of couples that retired and found that over the years they had grown apart. I am not saying we never argue, but most of time it feel like we are a team. I love it.
  6. It can be as motivating to do a trivial job in retirement as to solve a billion pound problem at work. I truly loved my work. I felt I was involved in big decisions that really mattered. I loved being involved in fixing the problem one day when no-one in the UK could make a faster payment. But surprisingly it was equally motivating yesterday to fix the electrical horn on the boat.
  7. I miss the people from work, but am making new friends. The good news is that I have stayed in touch with quite a few of my old colleagues. Also a little surprising because I am terrible at staying in touch. But I have enjoyed getting to know new people in my new life, especially on the canals. Boaters are an eclectic bunch, but always interesting.
  8. I think I will always be a planner. I had great intentions of not planning anything and just seeing where we ended up. But I do plan a lot – where we need to be when, what we need, what we will do. I like to think I am now prepared to be more flexible to circumstances changing. But I do like a plan!
  9. I enjoyed the stress of work, but I am enjoying more the abscence of stress. There is something energising about the adrenaline associated with stress. In most of my roles, I was “always on” 24 by 7, ready to deal with major incidents. It was exciting. But I don’t miss that stress. My blood pressure is down and I feel better in myself.
  10. Retirement is about enjoying the moment, not about distracting yourself. We had plans to go to Orkney for a month and then travel on the canals, as a way of distracting myself from wanting to work. These plans got disrupted by Covid, but in some ways I am glad they did. As we set off for four months on the canals now, it is all about what we will do, who we will see, and how lovely it is.

Are you retired or thinking of it? What is your experience?

Why is it hard to say goodbye?

Despite Scottish Canals running out of water this week, we should finally set out on our adventure on Monday. From Falkirk to Glasgow, and then a week later out of the water to a lorry to take us down to the English canal network for the rest of the season. It is a retirement promise that we have planned for a number of years, and should have started in March, if this pesky pandemic had not happened. But as I write this morning, I am struggling to say goodbye to the marina where we have seen berthed since we bought the boat, and to the comfortable way of life we have had in Scotland, with a house in short driving distance from the boat.

This is particularly strange because throughout our lives, Mandy and I have moved house many times, usually for my work, and have always balanced the excitement of new challenges to be greater than the loss of certainty from where we were already happy. And strange because we do plan to come back to Scotland in the winter, for other adventures, such as a month in Orkney.

I guess I am a little nervous of the trip to England, specifically the short journey from the canals, along the Clyde to the boatyard to be craned out. The Clyde is a wide tidal river, carrying big ships and fast moving craft. We have been getting prepared, including this week borrowing the heaviest anchor and chain I have even seen on a narrowboat – just in case. But it is still scary. I am also a little nervous about what happens when things break down. I have done the training in plumbing, electrics and engine maintenance, but that is not the same as doing it for real.

However, I can feel the positive energy from being nervous, and I am desperate to get back to cruising – to wake up each morning in a different place, to reclaim the relaxation from chugging through the countryside at 3mph. And one thing I have loved this year since retirement is spending most of my time with Mandy. Perhaps surprisingly, given that we have spent much time apart over the years through work, we find we still really enjoy each other’s company – most of the time anyway.

What about you? What is your attitude to major change? Excited by the anticipation or scared of what could go wrong?

What day is it?

I was out walking along the coast in Fife yesterday with one of my sons and my sister in law. I realised that I was not sure what day it was. One of the benefits of retirement is that I can do anything on any day. No longer do I need to wait till the weekend to go for a long walk, or go shopping, or fix the crack in the bathroom tiling, or visit my new great nephew for a cuddle, all of which I did yesterday. Rather I have the flexibility to avoid crowds and do what I want when I want.

The wonderful coastline of Fife in Scotland

But the downside can be that every day is like another. I chatted to my sister in law, who has been retired for seven years. She deliberately builds routine into her weeks to help provide some structure. She eats fish on a Friday. She cooks a roast Sunday lunch. She tries to make Friday evening as relaxing as it was when she was working. Maybe I should do the same. But I am in that honeymoon period of retirement when the freedom to do anything on any day feels simply wonderful.

I know when people say “they have no idea what day it is” they often mean that the person is losing it. Sadly, my father has advanced Alzheimer’s dementia and really does not understand the world any more. And I am wary of the naysayers in my old work, who told me not to retire because my brain would turn to mush. And I am aware that even though my life now has few meetings and appointments, I recently missed a meeting with my financial adviser, not because I was too busy, but because I was not busy enough. But it honestly feels great to wake up in a morning and know that today I can do pretty much anything I want.

Especially now lockdown is easing in the UK, those freedoms are widening. On Sunday I head down to England for some narrowboat training. I had better not miss the course because I forget what day it is!

What about you? If you are retired do you always remember the day? If you are working, do you long to be freed from the constraints of routine?

Have a great weekend, Pete

Ten reasons life is sh*t. Ten reasons it isn’t

I can’t decide whether to be glass half full or glass half empty this week.

Let’s consider the facts. First looking at the bleak side:

  1. We have given up hope that the Scottish government will allow us to travel in March or April for the Orkney holiday we originally planned for January.
  2. My wife Mandy and I have not received a vaccine invitation, but our younger son, Tin, who is just 31 years old, has. No idea why.
  3. The sunny weather promised for this week has turned into low cold cloud. So much for spending time in the garden.
  4. The backup disk for my PC has failed, and the new one does not work.
  5. We bought 3 cubic metres of wood for the fire, and it will not burn.
  6. The heating is not working in our boat.
  7. My niece is going to have her first child in a few weeks, and we aren’t allowed to see her.
  8. Having spent several days last week trying to sort out funding for my Dad’s care home, I still do not know whether the council will allow him to stay in the one where he is now.
  9. The things I have been doing this week, such as painting and reading, are a waste of time.
  10. I am really missing the people contact I used to get at work.

Reframing these in a more positive way:

  1. We have rebooked Orkney for the whole of November. As with our original plan, this should be dark enough to catch the Aurora Borealis at least once.
  2. Our son is super lucky to get the vaccine early, and for Mandy and I it should be just a few weeks away. So close!
  3. Monday was a lovely day here and looking at the crocuses, spring is definitely coming.
  4. There are many reasons to hate Amazon, but if something doesn’t work, they replace it without quibble.
  5. I have 3 cubic metres of wood stacked neatly in my wood store, and by the autumn it will be perfectly seasoned.
  6. Pierre, the best narrowboat mechanic in Scotland, has promised to fix my heating this week, so I may be able to get back there at the weekend.
  7. All being well, the reopening of Scotland will allow me to travel up to Fife to see my niece and her new child very soon.
  8. Wiltshire council have agreed to pay for a bed for my Dad, and if his current care home does not have a “council bed” available, we can pay a top up. He will not have to move.
  9. The things I have been doing this week, such as painting and reading, are relaxing and good for my mental health. They are exactly the kinds of things I never had time for when I was at work.
  10. I am not missing at all being on constant zoom meetings. My time is my own.

What do you think? Half full or half empty?

Ten reasons retirement is better than work

After last week’s moan about missing people at work, and the things I had planned for my retirement that have been postponed due to COVID, I have been reflecting on what is really good about being retired. It is not a bad list.

  1. I am more healthy. My blood pressure is down, I have lost a little weight, and I am getting out to walk most days during the week as well as at weekends.
  2. I get to read. My old work colleagues used to complain because I have always found time for self development books and I would bore them with insights from them. But now I also get to read more lightweight books. I am currently half way through Robert Harris’ “Archangel” and Richard Clubley’s “Orkney – A Special Place”.
  3. I am no longer “always on”. For at the past 30-40 years I have been on call for incidents or issues. It feels like a weight has been taken off my back.
  4. I get to do jobs around the house. This week I oiled my wooden floors, waxed my furniture and replaced a security light. These kind of jobs used to hang around for months because I never had the time.
  5. I gain new skills. I have mentioned previously about learning the euphonium. My playing is apparently not quite as awful as it was a few weeks ago. I have also been trying to learn basic electrics to help with our narrowboat.
  6. Sleep is better. I no longer wake in the middle of the night worrying about some work issue, and remarkably for me I have started getting up around 7am instead of 5am.
  7. I can be spontaneous. OK, lockdown is not helping here. But I can change my plans at any point. I am writing this blog first thing in the morning with many options for today and no fixed plan. I never thought I would like that but it is great.
  8. There were things at work I always hated, such as performance reviews. I can’t tell you how good it feels that I will never have to do them again.
  9. I have more time with my wife, Mandy. We are really loving doing things together, from playing cards to watching great films.
  10. I am my own master. Instead of half my life being driven by a diary of meetings and deadlines for others, everything I do is my choice. It feels great!

I have often felt that writing a blog is self motivating, and this one has certainly reminded me why I made the call to leave work this year. I am very lucky to have had this choice.

What about you? If you are working, what would you love to change? If you are retired what are the best things for you?