Coming up for air.

I’ve had a few queries from people asking why I haven’t been posting as regularly as I usually have over the last 10 years. (Yes, this blog is nearly at its 10th anniversary!) The short answer is that I’ve been going through the sale of my little house in Bentleigh East and it has been one drama and setback after another. I’ve always said that only two things can rock me… romance and finance… and this huge financial ‘windfall’ has been keeping my stress levels high and my inclination to write at nearly zero.

But now the sale is unconditional and in 30 days or so I’ll get paid for my beautiful little property. The first thing that will happen is that I’ll pay off our new house and I’ll be debt-free again. Old Lady Frogdancer’s super account will get as large an injection as I’m legally allowed, while her share portfolio outside of super will also get ramped up. That wrinkled old prune of a woman will have a bloody beautiful retirement, thanks to me, and she’ll never have to ask her children for any financial help. I hope that old woman appreciates it.

After Monday’s incident, when I was on the phone to the bank for half an hour going (frankly) batshit crazy when I discovered that the letter we needed from them to get the unconditional sale had been cancelled by them 5 weeks previously, so that we were waiting and asking for something they had no intention of providing because they “thought I didn’t need it”, I was relieved to see the letter come through to my conveyancer at 9:30 Tuesday morning. I rang a couple of people to tell them, then went back to bed and slept till 12:05, when Ryan22 woke me, telling me I had to get up to get to my lunch date with a friend from work. That night I had a crazily early night… I think my body was finally relaxing. Thank God it’s the holidays.

People keep asking when I’m going to go on another big holiday. I’m thinking it’ll be next year some time, but first I want to put a massive roofed deck on the back of the house, so that’s the first project. I’ve ordered 2 leather lounge suites for the house that’ll come in September sometime, so yes, things are starting to move. I can’t wait till the 3K/month of bridging finance is behind us and I can start seeing my whole wage again. 🙂

Theoretically I could almost afford to retire now, if I was happy to live the frugal, spartan lifestyle I’ve been living these last 18 months while I’ve been paying the bridging finance. But of course that leaves no room for all the fun things like travel, theatre subscriptions and the like. So I’ll be shlepping into work for a few more years to make sure Old Lady Frogdancer gets to travel the world.

One thing I AM going to do is to get 2 MTC subscriptions and take a different person each time to see a play. I think it’s an awesome way to catch up with someone. So one time it could be my Mum, another time a friend, then the next time one or other of the boys… I can just jump on the train to the city, meet them for dinner, see the play and then train it home. I can’t wait to start doing that.

Another thing I’m looking forward to doing is buying some new clothes. I’m wearing all those things I bought years ago when I went to Hong Kong and just between you, me and the gatepost, I’m sick to death of them.

There’ll be lots of little things I’ve been holding off from buying that now I’ll be able to do.

I think the next little while will be a very different stage in my life. I’m looking forward to it.

Financial post: The Early Retirement/Financial Freedom spreadsheet post  This article has some US-specific things about their Social Security system, but it’s easy enough to mentally think of our pension, should you want to be reliant on it. The spreadsheets are fun to plug your numbers into, though.

 

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5 Responses to Coming up for air.

  1. Lucinda Sans says:

    I am sure old Lady Frogdancer will be very thankful. The MTC subscription is a brilliant idea.

    And woo hoo!!! Mortgage free again.

  2. foodnstuff says:

    Remember that that spartan, frugal lifestyle was reducing your ecological footprint and now you’re planning to up it again. Pity.

  3. kelley says:

    HUZZAH! I bet that air is especially sweet. x

  4. Kate says:

    Congratulations on your 10th anniversary 🙂 so sorry you have had such a rough time especially the ruinous bridging finance, but if anyone can make ends meet in tough times it is you. You have always managed to make it seem like a doddle. Looking foward to a few more posts from you in the future. So happy for you Kate.

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