FabSwingers.com forum: Retirement

By *andyfloss2000 OP Woman
over a year ago

ashford

Was chatting to friend got on subject of retirement! He said he will never b able to afford to retire! I said I will cut my cloth accordingly! Have only 2 years b 4 I can officially retire at 66! Looking forward to it! All my pleasures in life are virtually free! Cycling gardening sex and swimming! And of course family!I've never wanted to go abroad etc., I know some people like to keep working! Hopefully it will happen! What's ur retirement plans? X

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

I retired once and got bored so I'm back working, but I will retire in @7 years, when/if state pension kicks in....

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

I'll be semi retired at 57, 2 may be 3 days a week working, retire fully at 60.

Reply privately

Reply in forum

Reply +quote

By *an hjCouple
over a year ago

Stowmarket

We are both retired and loving it.

Reply privately

Reply in forum

Reply +quote

By *andyfloss2000 OP Woman
over a year ago

ashford

"We are both retired and loving it."

Cant wait! X

Reply privately

Reply in forum

Reply +quote

By *rincess peachWoman
over a year ago

shits creek

I'll be working till I drop

Reply privately

Reply in forum

Reply +quote

By *abioMan
over a year ago

Newcastle and Gateshead

I will retire as soon as my 6 numbers come in…. Lol

But seriously… if I came into some money I would just love to go part time…. I am in a lucky position at the moment where I have paid off my car and my house so the pressure is not there

Reply privately

Reply in forum

Reply +quote

By *andyfloss2000 OP Woman
over a year ago

ashford

"I'll be working till I drop

It will b difficult but I intend not 2! My dad took early retirement at 60 glad he did as he died at 68 least he got to do stuff he enjoyed those 8 years x

Reply privately

Reply in forum

Reply +quote

By *arehamMan
over a year ago

handforth

The only thing I miss is the money since I retired.

I went from 40k down to about 14k a big drop,

But peace of mind is worth more than money.

Reply privately

Reply in forum

Reply +quote

By *ed VoluptaWoman
over a year ago

Wirral.

I'm still gutted I now have to wait til age 67 to retire. An extra 7yrs!

Boo hiss!

Reply privately

Reply in forum

Reply +quote

By *wiftieeMan
over a year ago

near Glasgow

I'm still working on, although semi-retired now. But it allows me to do what I do, so a few more years yet!!

And anyway, I enjoy what I do.

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

What are the reasons for not being able to afford to retire?

Is it debt like a mortgage and credit bills?

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

I work in an industry that's shrinking part pandemic part naturally, so I'm hoping to get made redundant by the end of the year which will allow me to finish my mortgage and go part time doing something else. I would still have to do this for 9 years until I got my state pension and my company ones matured but means I can get a dog again and have more time to do more of the things I like

Reply privately

Reply in forum

Reply +quote

By *andyfloss2000 OP Woman
over a year ago

ashford

"What are the reasons for not being able to afford to retire?

Is it debt like a mortgage and credit bills?

I have neither! I rent It's just pension really dont cover basic living Bill's x

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

I retired a few years ago. I just work for pocket money and something to do. I'll be knackered by retirement age so got to enjoy life now.

Reply privately

Reply in forum

Reply +quote

By *tephTV67TV/TS
over a year ago

Cheshire

I’m already looking at other ways to make money and I think I could go part time at work in about a year.

About 6 months ago I did a few hours overtime at work and was surprised after tax how much I made

I can now make the same money if not more, using a third of the time.

I have a pension but it won’t be too much by the time I retire, so money making is my hobby currently

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

I decided to retire at the beginning of all the covid nonsense - best thing I've ever done in my entire life. I now have so much stuff to do at home I don't know when I ever had the time to work!

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

Was looking to retire last year but work keeps me occupied so looking at 60 now helping kids out but might try part time so can look after youngest grandson so she can go back to work really struggling because of childcare.

Reply privately

Reply in forum

Reply +quote

By *andyfloss2000 OP Woman
over a year ago

ashford

"I decided to retire at the beginning of all the covid nonsense - best thing I've ever done in my entire life. I now have so much stuff to do at home I don't know when I ever had the time to work!"

Have friends that said this! Must admit I thought same whilst on furlough last year! It was a good test to at least know I would not b bored when the time comes x

Reply privately

Reply in forum

Reply +quote

By *ools and the brainCouple
over a year ago

couple, us we him her.

"I'll be working till I drop

Same

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

I'm hoping to go at least semi-retired at 60. Should have enough in the various pots by then (excepting financial cataclysm).

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

Can I say I'm semi retired if I only work 3 days a week?

I will probably only retire when state pension allows me to, which might be 70 by the time I get there

Reply privately

Reply in forum

Reply +quote

By *icecouple561Couple
Forum Mod
over a year ago

East Sussex

We both stopped working at 57. It wasn't intentional but circumstances conspired to make us seriously rethink our lives

We sold up, bought a cheaper place to do up in an area we'd only dreamed of living in on retirement (which we thought was 9 years away) and have never looked back.

I worked now and again for a couple of years but I've turned offers down for the last three. We have a very tiny income from private pensions but we know how to spend wisely. We have never been more content or happier.

I know some people love working and their job gives them huge satisfaction but for those of us who just worked to pay the bills retirement is absolutely lovely

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

"Can I say I'm semi retired if I only work 3 days a week?

I will probably only retire when state pension allows me to, which might be 70 by the time I get there

I say yes definitely say you are semi retired! It makes it feel better. You are working less time than you are enjoying life stuff.

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

"I'll be working till I drop

I thought you did that most days P?

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

I’m retired have been for almost 7 years, finished work at 56, I was lucky I’d paid into a good pension fund. Never looked back, do what I want when I want. Keeping bees keeps me busy.

Reply privately

Reply in forum

Reply +quote

By *andyfloss2000 OP Woman
over a year ago

ashford

"I’m retired have been for almost 7 years, finished work at 56, I was lucky I’d paid into a good pension fund. Never looked back, do what I want when I want. Keeping bees keeps me busy. "

Sounds interesting x

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

"We both stopped working at 57. It wasn't intentional but circumstances conspired to make us seriously rethink our lives

We sold up, bought a cheaper place to do up in an area we'd only dreamed of living in on retirement (which we thought was 9 years away) and have never looked back.

I know some people love working and their job gives them huge satisfaction but for those of us who just worked to pay the bills retirement is absolutely lovely "

Well done both, I certainly don’t miss working.

Reply privately

Reply in forum

Reply +quote

By *icecouple561Couple
Forum Mod
over a year ago

East Sussex

"We both stopped working at 57. It wasn't intentional but circumstances conspired to make us seriously rethink our lives

We sold up, bought a cheaper place to do up in an area we'd only dreamed of living in on retirement (which we thought was 9 years away) and have never looked back.

I know some people love working and their job gives them huge satisfaction but for those of us who just worked to pay the bills retirement is absolutely lovely

Well done both, I certainly don’t miss working. "

Nor do we. People ask us how we occupy ourselves as if we're looking for something to do all day

Reply privately

Reply in forum

Reply +quote

By *rHotNottsMan
over a year ago

Dubai & Nottingham

So I’m 50 and just about to take the biggest mortgage of my life over 19 years and still have 2 daughters at uni . No plans at all to retire , I love my work, travel, adventure, life just as it is.... I think I’ll just carry on until my brain or body says no but am starting to work a few less hours and take more holidays

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

"We both stopped working at 57. It wasn't intentional but circumstances conspired to make us seriously rethink our lives

We sold up, bought a cheaper place to do up in an area we'd only dreamed of living in on retirement (which we thought was 9 years away) and have never looked back.

I know some people love working and their job gives them huge satisfaction but for those of us who just worked to pay the bills retirement is absolutely lovely "

Totally agree. Fully retired here and loving it

Reply privately

Reply in forum

Reply +quote

By *asycouple1971Couple
over a year ago

midlands

Not sure when I will or can retire. Have pension with the company for last 20yrs but not sure how much its worth.

With everything getting more expensive the option of retiring is a far distance.

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

"Can I say I'm semi retired if I only work 3 days a week?

I will probably only retire when state pension allows me to, which might be 70 by the time I get there

I say yes definitely say you are semi retired! It makes it feel better. You are working less time than you are enjoying life stuff.

Woop woop! I took a higher paid job a few years ago so I didn't have to work as many hours (I couldn't physically do this job full time anyway).

I work to live, not living to work.

Reply privately

Reply in forum

Reply +quote

By *arkus1812Man
over a year ago

Finedon ,

I initally retired at 60 with the plan to use a private pension and whatever I could make wheeling and dealing, however a job offer came along which was too goo to turn down so I went back to work for another 11 years.

At 65 I was entitled to take my state pension or as an alternative let it roll up, I took the roll up option.

When I finally retired I started drawing my State Pension, the roll up which was by now just over £42K came into play, I was offered the lump sum or an enhanced pension, I took the lump sum.

The pension rollup is still available but the lump sum offer has been withdrawn.

Ten years on I am in receipt of my state pension, private pension and income from the lump sum, all of which gives me a comfortable but not extravagent living.

Reply privately

Reply in forum

Reply +quote

By *orthern StarsCouple
over a year ago

Durham

It will be another 20 years before we retire but hopefully our hard work will pay off and we can cash in our assets and live a happy retirement. We plan on travelling, enjoying our hobbies and doing all the things we don't have time to indulge in now.

Reply privately

Reply in forum

Reply +quote

By *arakiss12TV/TS
over a year ago

Bedford

Got made redundant in 1991 recession, no payout as only at the company 18 months.

was out of work from 91 to 97 this buggered up my finances and pension. Managed to claw my way back into full time employment and managed to stay there.

I will have to work till I drop to cover the shortfall, unless the goverment can provide reparations for the six years loss of income which wasn`t my fault. By rights I could have retired 5 years ago leaving room for another employee.

Reply privately

Reply in forum

Reply +quote

By *iss_tressWoman
over a year ago

London

I retired aged 56 five years ago. I was going to travel, visit family and friends, be a lady who lunched, spend time with the grandchildren... Did it for two years before I was bored shitless! Went back to work on fixed term contracts, and will probably work until my state pension.

Reply privately

Reply in forum

Reply +quote

By *andyfloss2000 OP Woman
over a year ago

ashford

"I initally retired at 60 with the plan to use a private pension and whatever I could make wheeling and dealing, however a job offer came along which was too goo to turn down so I went back to work for another 11 years.

At 65 I was entitled to take my state pension or as an alternative let it roll up, I took the roll up option.

When I finally retired I started drawing my State Pension, the roll up which was by now just over £42K came into play, I was offered the lump sum or an enhanced pension, I took the lump sum.

The pension rollup is still available but the lump sum offer has been withdrawn.

Ten years on I am in receipt of my state pension, private pension and income from the lump sum, all of which gives me a comfortable but not extravagent living.

If u dont mind me asking how much is the state pension? I googled but it has all different amounts? X

Reply privately

Reply in forum

Reply +quote

Post new Message to Thread