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Retirement plans

(28 Posts)
PernillaVanilla Mon 06-Aug-18 10:48:58

I'm surprised there isn't a dedicated retirement section on here, so I'm posting in chat.There is so much around on the financial aspects of retirement but not much to go on about how to decide how to live your life.

When we retire in a couple of years we will be comfortably off, not well off but probably about the same as we are now in real terms as our mortgage will be paid off and the substantial pension payments we make now will end.

We are both fit and well, DH very into fitness and me too this year, with ladies bootcamp, weight lifting cycling and horse riding being my main activities.

We just don't know where to begin in deciding whether to move, get part time jobs, get a horse and a new dog or go travelling. DH teaches a form of fitness so he will probably do more of that.

Main options are:

Move to flat in trendy bit of local city, near galleries, restaruants etc. and let this out when we go travelling.

Move to Scotland and get a place with some land so we can have horses again.

Move to local bohemian small town and soak up the atmosphere, go to arts events etc.

We really could live anywhere in the UK provided our sons who live in London can get there reasonably easily, and have not written off the idea of either moving abroad or buying a small bolt hole there.

We really are a bit flumoxed by the choices and are probably in denial about the fact we are approaching retirement (which has huge negative connotations for us) in any event.

One problem is that if I get a horse again and we acquire a rescue dog we would then be more tied than we are now if we want to travel.

I'd like to hear from others who might have been adventurous (or decided not to be) about what has worked well for them to give me a bit of direction.

luluaugust Wed 08-Aug-18 20:32:39

If you are like us with two years to go you will still do a lot of talking. We didn't know what to do but suddenly a house came up where we wanted to be, then out of the blue a chance to use a property abroad on and off, then a GC arrived. Life does happen while you are trying to plan it! Good luck I hope things become clearer as you talk.

PernillaVanilla Fri 10-Aug-18 12:32:13

Thank you f;or all the replies. I had a look through some family photographs a couple of days ago and was quite surprised to see how many of them were mainly of horses and dogs! I'm starting to think a bit of travel first off would be good, just to wind down from work and take ourselves out of the fixed routine. I've just remembered that the last riding holiday I went on had a little band of "helpers" who were all retired and in their 60's or 70's. I think I might try to find somewhere to help out in a horsey context and keep that issue under review. It was interesting to see how many decisions about where to live had been quite spontaneous, so maybe that will just happen for us too.
I'm feeling a bit more relaxed about this now than when I first posted. It is really good to get other people's views on a topic where really I have no very firm opinions of my own.