The Retirement Thread

18 lurkers | 174 watchers
EvilPixie
EvilPixie
14 Jul
4:56pm, 14 Jul 2024
55,943 posts
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EvilPixie
Mrpix and I both have a credit card paid off in full each month just in case we need credit!

Stupidly to get credit you need credit if you are debt free you are a bad risk
EvilPixie
EvilPixie
14 Jul
4:57pm, 14 Jul 2024
55,944 posts
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EvilPixie
Former teaching friend has just signed up for a yoga instructor course as her retirement plan!

She's only 40 so ages to go but figures it would be a good part time job
Shades
Shades
14 Jul
5:38pm, 14 Jul 2024
3,141 posts
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Shades
I haven't applied for any credit since retiring. Last loan was for my car and it was after I'd paid off my mortgage and was debt free. I have a long standing relationship with my bank, maybe that helped. I remember applying online for the loan at 8pm and funds were in my account by the following morning.
Flatlander
Flatlander
14 Jul
7:36pm, 14 Jul 2024
3,272 posts
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Flatlander
After having a John Lewis Partnership credit card for well over a decade and paying off my balance every month, a couple of years ago JL changed their cc provider from HSBC to NewDay and everyone had to reapply to to ND for a new card. Lots of JL customers were refused by ND because they were retired, had no debts, and paid off their balance every month. ND only wanted bad debtors so they could make money out of them. Many of those accepted by ND were ludicrously low credit limits of about £500.
Bazoaxe
Bazoaxe
14 Jul
7:38pm, 14 Jul 2024
27,071 posts
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Bazoaxe
The issues i have had are different

First one they provider didnt give me the account name and online payment declined. The second I tried failed my first bank account as its in joint names and the only one in my own name I only opened a week ago and they don’t recognises

As it happens the first one reminded me today I hadn’t transferred money and this time gave me the account name, so will try that one
TROSaracen
TROSaracen
15 Jul
7:19am, 15 Jul 2024
28,049 posts
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TROSaracen
Feeling a bit meh after a great weekend/the footy loss - but enjoying a lie in and still get that lovely ‘no work’ feeling on a Monday which always lifts the mood.
Diogenes
Diogenes
15 Jul
7:59am, 15 Jul 2024
86,989 posts
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Diogenes
Speaking as one in the waiting lounge, TRO, hmmmph! :-)
Diogenes
Diogenes
15 Jul
7:59am, 15 Jul 2024
86,990 posts
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Diogenes
(posted from my desk at work)
3M
3M
15 Jul
9:02am, 15 Jul 2024
24,404 posts
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3M
[And read from my desk at work....]
Countdown calculator says.....
64 working days left. I can almost see the horizon.
geordiegirl
geordiegirl
15 Jul
9:08am, 15 Jul 2024
23,218 posts
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geordiegirl
So exciting 3M I’m now watching your clock like I did when Pix was counting down.

Speaking to a lady in the pub last night her and husband (I’m guessing early 60s) were visiting the area and had been away with their campervan for a couple of weeks. Got chatting about retirement and she said she retired very early but had had enough and more to life than work so bite the bullet. On paper they worried they would struggle but she said absolutely not you need less than you think and we both agreed working hard justifies the extra purchases! and her advice was to go for it and worse case go back to working at some level - her plan and never needed.

They were cutting their holiday short as a friend had been diagnosed with terminal cancer, she knew she had cancer (missed during Covid) but it had spread and she was declining rapidly. She said she’d regretted not leaving work earlier and when she did not long after this happened. How often does this happen. Tragic.

About This Thread

Maintained by Sigh
A place for baggy spaciousness

(thanks to TheScribbler for the term (p1516)!)

Retirees Hall of Fame

star Synge star (30.08.24)
Silvershadow (02.08.24)
Hibeedeb (02.08.24)
Winniefree (08.07.24, 2nd attempt)
EvilPixie (24.06.24)
Snail (21.06.24)
GregP (14.06.24) (after part retirement 31.03.23)
Fizz :-) (13.06.24)
Jaks (15.05.24) (third time of retiring)
HellsBells (31.03.24) (orig. May 2018)
TROSaracen (07.02.24)(semi retired since mid 2019)
Hanneke (01.02.24)
Jenni-far-far (28.12.23)
FergusG (22.12.23)
Mrs Jigs (Luverlylegs) (11.12.23)
eL Bee! (30.11.23)
Lip Gloss (22.11.23)
jda (28.08.23)
Sigh (28.07.23)
Schnecke (end of school term 07.23)
Sharkie (05.07.23)
Ally-C (08.06.23)
Rebel (12.05.23)
CogNoscensme AHA (07.04.23)
Windsor Wool (05.04.23)
Bob! (30.03.23)
Velociraptor (21.03.23)
Garfield (provisional, 27.02.23) (see p.699)
ThorntonRunner (20.12.22)
MaltDrinker (30.07.21)
DoricQuine (15.06.21)
Mandymoo (21.05.21)
GimmeMedals (31.08.20)
Steve NordRunner (01.08.19)
um (May 2017)
macca 53 (31.10.17)
XB (07.07.16)
Flatlander (November 2011)
Helegant
Ness
SarahWoo
Rosehip
alpenrose
Johnny Blaze
annadav
K5 Gus
Curly45
LazyDaisy
Dave..M
jabberknit
Shades
Northern Exile
Nick Cook

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In the Waiting Lounge, with one eye on the door

B Rubble (07.12.24)
Roobarb (20.12.2024)
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3M (21.12.24)
dobbers (target: Dec 2024)

westmoors (31.03.25 confirmed)
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OverTheHillToo (target: approx. 2026)

Diogenes (17.03.27)

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