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Today's the day............

rossd 15 1.1k England
19 Mar 2012 9:43AM
Today’s the day I start to recoup some of my taxes as my first state pension payment should (!!) be going into my bank sometime today. I’m now officially an ‘OAP’, a ‘wrinkly’, a ‘senior citizen’ or whatever. After 48 years non-stop working (I’ve been lucky in that respect) I can’t believe it’s come round so fast ................ only seems like yesterday etc. etc.
Got to say I received a faultless and very efficient service from the DWP (Dept of Work and Pensions) who seemed to have all my NI contribution details going back to 1964!
With my new found wealth I’m off to place an order for a 5D Mk3.............. yeah right.
Just wondered if there are other members out there who are in a similar position – either rapidly approaching state pension age or maybe claiming it already (maybe there should be a ‘Seniors Gallery’)
Now if only I could remember where I left my camera.........Smile

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Andy_Cundell 7 1.1k 5 England
19 Mar 2012 9:47AM
Best of Luck 'rossd', have a great retirement and do everything you always wanted to do, but couldn't because of work!

19 Mar 2012 10:02AM
Congratulations Ross from a fellow wrinkly. We share pension day - I started getting mine last July.

I second your experience with the DWP, very efficient.

Regards, Stuart
19 Mar 2012 10:47AM
It's a great feeling not to have to go to work. A dream come true!
Enjoy your free time!
ChrisTom 10 72 United Kingdom
19 Mar 2012 11:15AM
Hi Ross.

Have been retired now for nearly four years, after fifty years of work. But unable to adjust to retirement, my work was my whole life, retirement was ok for about a month, just like an extended break, but after that honeymoon period, I miss work, work mates, and the banter.

Hope you find more enjoyment with your retirement. If you had a life out side of work before your retirement I am sure you will be fine. That was my mistake, I lived to work, not worked to live.

Don’t forget, out of that massive state pension (read meagre), the tax man will still want his share, as if we haven’t paid enough during our working lives.
Sorry to be negative about retirement, after the comments above, but someone has to strike the balance. Sad

Take care, from a grumpy old git.

Chris R.
I. El. (Eng). (Rtd).

I know its going to be a bad day when I get out of bed and miss the floor.
rogerfry 12 543 United Kingdom
19 Mar 2012 11:46AM
Welcome to the club ! I've been getting mine for a number of years now..(I'm a pre WW2 baby)...and enjoying the freedom.

The biggest mistake you can make is to fall into the "I'll do it tomorrow" mindset. Because you don't have a deadline any longer, it's all too easy to keep putting things off, and suddenly you find yourself wondering where all the years have gone ! -(trust me...I know!)

Have fun !
saltireblue Plus
8 8.1k 33 Norway
19 Mar 2012 3:10PM
Congrats. Make sure you enjoy it and make the most of it. Rogerfry's comment about putting things off sounds very good advice.
I will hopefully be taking early retirement in Sept. 2014 when I reach 62 and it can't come soon quick enough!

NEWDIGIT 7 401 United Kingdom
19 Mar 2012 3:26PM


Hope you find more enjoyment with your retirement. If you had a life out side of work before your retirement I am sure you will be fine. That was my mistake, I lived to work, not worked to live.

Sadly far to many have made this mistake, along comes retirement and you are at a loose end after the two to three months honeymoon.
During my working life I tried where possible to keep work and social apart.
My freinds consequently, are still my friends not ex workmates.
Once you get fed up taking photos (as if!!) try joining one of the many college courses or volunteer organisations up and down the country.
Currently Im learning dry stone walling and helping to restore some walls in the peaks gets me out (with camera of course) and meeting like minded people
WORK where did I find time to do that??

brian1208 Plus
15 11.4k 12 United Kingdom
19 Mar 2012 3:35PM
I retired, early, in Dec '96 and its been my best career move yet! Grin

I hope you have as much satisfaction in your retirement as I am finding. You may find it a bit strange to start with (I've know people who found it difficult to adjust to not having the routine of work ) but once you get the hang if it you wonder how you ever had time for "Work"

(The best thing for me is not having anyone else (apart from my wife) wasting my time for me Smile)

Enjoy your new life and welcome to the "Wrinkly Club" - (I think a "Senior Gallery" is a good idea, so long as its well signposted so we can find it again Tongue )
adrian_w Plus
10 3.7k 4 England
19 Mar 2012 4:10PM
Good for you! I officially joined the Old Codgers Club yesterday, although I don't finish work until the end of March.
AS many have said, it helps to have interests outside of work that can take up the time slack.
I was lucky with my employers, they agreed to me reducing my working week from 5 to 3 days for the last 6 months so I have eased my way into retirement.
Like Ikky, I've been doing drystone walling for some time & hoping to do my intermediate test in May this year. Although not neccessary for it, I hope it will help with my little business of walling, fencing & hedge laying to keep me busy.
Now the good (?) weather is on its way there's pleanty of work in the garden & photo trips to fill in the time.
StrayCat 14 19.1k 3 Canada
19 Mar 2012 4:21PM
Congratulations rossd, you deserve it. I retired early a little ove 8 years ago at 58, and haven't regretted it for a moment. For all my 40 year career, I managed to completely separate my working life and my at home life, and I think it paid off in spades. I commuted 2000 miles to and from work the last 15 years and I was more than happy to give that up, along with living in hotels and eating out. It's been a pleasure establishing a simple way of life, walk every day, 3 square meals at set times, spending time with my grandchildren, just enjoying the simple things in life. I worked part time for a year at a photo lab, whatever hours I wanted, and it got me out and mingling with people, but I soon tired of that. If I want to sleep in, I do it.

I am glad I didn't depend on the government to take care of me after work, although the 2 government pensions come in handy as pocket money. I paid into a company pension, plus a company sponsored annuity plan for 35 years and financially it has not been a big adjustment. One thing I've noticed is that time seems to fly by since I retired.

Good Luck,

PS: It is very important to establish a healthy routine such as walking, or any physical outdoor activity; not only for physical health, but there's nothing like good exercise and fresh air to belay bad thoughts and depression. ChrisTom, sounds like that might be missing from your routine.Grin If it is, man, you need to get out and walk, or do something outside.
rossd 15 1.1k England
19 Mar 2012 6:27PM
Thanks for all your positive comments - nice to see and very cheering indeed. Also nice to see so many continuing with a variety of interests. With respect to activities, I do a lot of walking (always did) and I'm planning a trip to the west coast of Scotland in April and intend to do a few Munroes (or maybe just oneSmile). Unfortunately my interest in photography (after 30 yrs) seems to be waning and I'm now very much 'into' my guitar which I took up 2 yrs ago and am now at the stage where I can play virtually anything by ear.

The scary thing is of course is that, as far as finances go - that's it. The level I'm on now will never change for the rest of my life (not counting the increase in pension due to inflation). Fortunately my wife is working (and will be until she's 66 which she is really peed of about!) so I may get a 5D MkIII afterall and renew my interest in photography Smile

@ Denny
Quote:One thing I've noticed is that time seems to fly by since I retired.
Totally agree - I took early retirement in Jan last year and I don't know where the time goes
brian1208 Plus
15 11.4k 12 United Kingdom
19 Mar 2012 7:25PM

Quote:The scary thing is of course is that, as far as finances go

that took a bit of getting used to Ross, living on cash-flow not capital, once the capital is gone you can't easily replace it - but its still better than working in my view Smile
macroman 15 15.3k England
19 Mar 2012 7:59PM

Quote:One thing I've noticed is that time seems to fly by since I retired.

Too true, I've been retired officially for about ten years now.
Tomorrow seems to arive halfway through today, Grin and there's never enough time left to do what you wanted to do today. Don't have time to get bored.
cats_123 Plus
14 4.8k 28 Northern Ireland
19 Mar 2012 8:25PM
just sent off for my free bus pass!!!

have been drawing my works pension for a few years (not quite ready for the state bonus!!) and enjoy every minute. Agree about maintain levels of fitness. I suffered a heart scare just over a year ago. It was mainly a genetic problem but it gave me the kick start I need to get fitter after years of a sedentary job (taking tax from everyone else!! Wink)

just make sure you live every day and do all those things you could never do beacuse of work.
Good luck

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