A Retirement Blog by Caree Risover

  The Eldest and Dilly completed the purchase of their first home in August but have continued to live elsewhere whilst they restore and decorate to their satisfaction. Yesterday I visited a niece who has only just moved back into her house after a period of 6 months, again to allow refurbishment to take place. It all makes Mister E's and my desire to remain in our home whilst the floors are drilled out, despite knowing that the facilities we have access to will be reduced, appear a little bizarre.  Are we stalwarts from another age? Has retirement rendered us incapable of coping with change? Are we simply showing early signs of cognitive decline? Have we entered an era of indolence? I guess it's hard to explain our thought processes, especially to those younger family members who have willingly left their homes vacant and sought to avoid disturbance and potential misery by basing themselves elsewhere. To be honest, I'm not sure I can even explain our reasoning to myself. W

  This morning I awoke in the Loch Lomond and Trossachs National Park, at Crianlarich which is often described as the Gateway to the Highlands.  I had not been kidnapped, so rising there was no surprise as Mister E and I had travelled up as part of a pre-winter visit to the Retirement Project.   I always love waking in the Scottish countryside. It doesn't matter where, as inevitably you are surrounded by the vastness of  landscape. The photographs hardly do the location justice, snatched as they were quickly on my mobile phone at first light and before Mister E scraped the ice from the windscreen and we headed westwards to the coast and marina. Whenever I stay away from home, I never cease imagining what it would be like to live in that place permanently. Retirement is obviously the perfect opportunity to relocate to the perfect fantasy destination. Accepting that downsizing may be necessary at some point, where, with an almost infinite choice, would we downsize to? Flights of fanc

  The rain seems to have been non-stop for days now, sometimes heavy, sometimes less so but incessant regardless. Then just when I thought we had seen the last of big holes on the drive, our illusions were shattered. A truck arrived to collect the skip that contained the contaminated hardcore dug out mainly from behind the house a couple of months ago. Despite the weather, the driver was well-dressed for the conditions and appeared to have everything under control until the moment, skip loaded, he moved to drive back onto the road. As his front wheel trundled over the reinstated driveway above the trench that had been filled, didn't it just go and collapse! Of course, this being a project controlled by loss adjusters, we have no say in the way the work is conducted, but honestly you couldn't make it up. If we'd been employing them directly we'd be beginning to suspect we'd hired cowboys. As it is, I've been checking so far as I can to ensure all jobs comply wit

  A little after 4pm and it was so black outside that we had to put the lights on. Storm Debi has been making itself known all day with heavy rain and a strong wind. In fact the weather was so disgusting that after a brief foray for Yoga and Pilates classes I was glad to get home and hunker down. Contending with foul conditions on top of everything else only adds to the torment and tension. I've always said that one of the benefits of retirement has been an ability to follow the seasons and live life accordingly but I'm not so sure about relating to or synchronising with these short, dark, depressing days.  When I was last able to get out into the garden for a limited tidy up in readiness for what feels like a fast approaching winter, I noticed that we appear to be hosting a hedgehog's nest behind some shrubbery. It made me wonder whether hibernation might actually be an appropriate way to harmonise with the coming months. It's been a pattern of our retirement to try to

This past week, there has been progress. A small mechanical digger, a wheelbarrow and shovels plus 2 men to operate them have wreaked havoc on our drive. They dug a trench from water meter to house wall and then into the garage, laying the new waterpipe complete with aluminium barrier.  With piles of earth everywhere, along with that trench, it was hard not to recall the throw away comment of the Project Manager months ago when he indicated that once they started to dig, the garden would resemble the Somme. He wasn't far off. Fortunately they've done a good job of putting everything back the way it should be. Now it's simply a question of waiting for the plumber to connect the house fittings to the pipe, followed swiftly by the joining of the new pipe to the water meter and at that point our supply of safe drinking water from the tap should resume. Talk about excitement; it won't be a moment too early when it happens. I think the fervour hit the Project Manager too as h

Whilst older people are often happier than in their earlier years, after 60 (linked to retirement and health issues) it seems that self esteem and confidence can begin to deteriorate. A group of us discussed this over coffee today between gym classes. Blame was attributed to a variety of factors including the long Covid lockdowns, physical afflictions, loss and grief and, in the last couple of years, so many bad news stories emanating from wars or climate change. In no way do I feel exempt from the potential impact. There's so much out there at the personal level and on the wider horizon that can frighten me to bits were I to let it. Knowing how easy it was to end up on a hospital trolley hooked up to a heart monitor and drip in the Emergency Department; the difficulty getting travel insurance as a result; catching Covid on holiday ; the demise and serious illnesses of close family members as well as others I have known ; the ongoing issues with my knee ; they are all playing a ro

  On Friday we went to a House Building and Renovation Show. After building our current home (well we didn't actually lay the bricks ourselves, but you get my gist) 24 years ago, we do not have any intention of repeating the experience in retirement. We love the finished product but the memory of the stress and hassle of getting there, militates against doing it all again. A sport for younger people you might say. We've always been happy with our home, so much so that, and despite the decluttering, we still haven't seriously contemplated down-sizing which I'm advised is a must at some point in the future. As for remodelling, well that's always sounded like even more hassle than building afresh.  We were potentially the show's most lukewarm visitors, surrounded as we were by a throng of amateur but enthusiastic would-be developers. Our presence was, of course, encouraged by the thought that ripping our house apart to deal with the contamination under it could be

  In a pique of organisation, I actually completed and submitted my tax return a few days ago. It avoided my usual rush before the 31st January deadline and is making me feel very smug indeed. Whilst accessing my online tax account, I thought I would take a peep at the National Insurance section and double-check that all is in order for payment of my state pension when I finally become entitled in a little over 4 months' time. Assurances by my financial advisor after I made a voluntary contribution at his suggestion and an official forecast several years ago suggested that I shall receive a full state pension at what has been an ever shifting qualification age.  I confess that I had never explored the record in much depth, relying instead on professional advice and the calculations undertaken by the government and sent to me by letter. With hindsight, I perhaps should have left things to rest there. However, when taking a glance (and breathing a sigh of relief that all still remain