scolopax Posted September 16, 2016 Report Share Posted September 16, 2016 Got 18 years to pay on my mortgage so that should take me through til I am 63. In my job I only work kind of part time, the hard part will be holding onto my employment teh way the oil industry is now. Quote Link to comment Share on other sites More sharing options...
TaxiDriver Posted September 16, 2016 Report Share Posted September 16, 2016 I'm 52 and on duty 82hours a week and never earnt enough to pay into a pension I don't think I've got enough years left to cut down my hours significantly :( Quote Link to comment Share on other sites More sharing options...
winnie&bezza Posted September 16, 2016 Report Share Posted September 16, 2016 Got 18 years to pay on my mortgage so that should take me through til I am 63. In my job I only work kind of part time, the hard part will be holding onto my employment teh way the oil industry is now. We basically rebuilt the house of a chap who is about 60 and is geologist working on the oil rigs in Africa et. I bumped into his wife shopping and she said he hasn't worked since we finished the job which is 2 years ago. Quote Link to comment Share on other sites More sharing options...
snarepeg Posted September 16, 2016 Report Share Posted September 16, 2016 Retired at 53(redundant coal miner), went thru a period of boredom, but started renovating series land rovers ☺️ Which I enjoyed, more so when they started up. 28 years later I still keep busy and as active as possible, but the older you get the faster time seems to go, I put myself in the departure lounge of life, (first class) with hopefully a long delayed flight. Quote Link to comment Share on other sites More sharing options...
Walker570 Posted September 16, 2016 Report Share Posted September 16, 2016 I have had just over 26 years of it ...retirement that is ...the stress will finally kill me I am sure. How do you decide what to do, go stalking, fishing, pigeon shooting, foxing I mean where do I find the time to fit them all in I mean the maintenance of all the equipment eats into time you could be out there enjoying yourself and when you take holidays you find instead of lazing on a beach your forced to creep about in foreign territory looking for something to shoot or a trout to cast to. I tell you , don't do it. Keep working, it's a lot less stressful. Nah!!! only joking If you have the wherewithal, pension etc., then do it. This ain't a rehearsal, make every second count. Quote Link to comment Share on other sites More sharing options...
Paul taylor Posted September 16, 2016 Report Share Posted September 16, 2016 Great news that you can afford to retire so young Davey mate. I hope you enjoy every minute of it pal👍 Quote Link to comment Share on other sites More sharing options...
team tractor Posted September 16, 2016 Report Share Posted September 16, 2016 I'm 52 and on duty 82hours a week and never earnt enough to pay into a pension I don't think I've got enough years left to cut down my hours significantly :( lolSounds like me and my dad. I work at least two days a week of 16 hours besides a few 10-12 hours in the week plus Saturday's regularly and my normal hours on the other days. I'm concentrating on my mortgage first. 17 years left Quote Link to comment Share on other sites More sharing options...
Harnser Posted September 16, 2016 Report Share Posted September 16, 2016 Every day is a Saturday when you have retired . Harnser Quote Link to comment Share on other sites More sharing options...
marsh man Posted September 16, 2016 Report Share Posted September 16, 2016 I called it a day on my 60th birthday, which was nine years ago , had a good job on a sporting estate with all the shooting I could ever wish for and the pay was decent as well , Any regrets ? , knowing what I do now , I wished I had packed up a few years earlier as you can never get the time back , and I haven't regretted a single minute of the last nine years and I look forward to every day .. Quote Link to comment Share on other sites More sharing options...
four-wheel-drive Posted September 17, 2016 Report Share Posted September 17, 2016 I have always thought that it must be so nice if you can find a job that you really enjoy doing and pays the bills to give you a decent standard of living if you can find that why would you want to retire unfortunately something that I was unable to do not having ether the skill or education to allow me to do it. Is not the hole point of life to feel that you are doing something useful to have some reason to get up in the morning some of the fittest and dare I say it nicest people that I now have never retired they life has a reason not just I managed to hit a ball down a hole today or I caught a fish or shot a rabbit but then in the end it is each to there own. Quote Link to comment Share on other sites More sharing options...
fortune Posted September 17, 2016 Report Share Posted September 17, 2016 Most people in the building trade I meet are working up until they are 6' down. They retire at 60 and get bored fast after 6-12 months they're back at it. My dads 64 and can't retire thanks to idiots :( but he enjoys his job and it keeps him moving / healthy. I've heard of so many that 2 years after they finish they're gone . Some sit around and the illness kicks in . I hope you enjoy it Only today we were on about pensions and I mentioned I haven't got one at 35 years old. I won't bother either as I struggle to keep what I've got now. I'm in the living for the now I've been reading through the posts and from the text above I also have known several people who have keeled over within a year. My older brother is 72 and still works a lot. He even helps others when he isn't working for his own self. Some people just love to work at their own business or occupation. He said that it would be boring not working and meeting people and the income which he keeps putting away under the mattress. I just think about the financial aspect of it all. A lot of people do not and have never had the income or financial ability to retire years in advance and soon a lot will have to work until they drop. I am lucky to have made provision for the future but I'm not sure of the life that I want within retirement. Quote Link to comment Share on other sites More sharing options...
old'un Posted September 17, 2016 Report Share Posted September 17, 2016 I've been reading through the posts and from the text above I also have known several people who have keeled over within a year. My older brother is 72 and still works a lot. He even helps others when he isn't working for his own self. Some people just love to work at their own business or occupation. He said that it would be boring not working and meeting people and the income which he keeps putting away under the mattress. I just think about the financial aspect of it all. A lot of people do not and have never had the income or financial ability to retire years in advance and soon a lot will have to work until they drop. I am lucky to have made provision for the future but I'm not sure of the life that I want within retirement. Or is it possible that a lot of people have very few friends and interests outside of work? Quote Link to comment Share on other sites More sharing options...
fortune Posted September 17, 2016 Report Share Posted September 17, 2016 Yep it could be but, it would include those who go and do voluntary work. Billy no mates? The Mrs has done a load of calculations and said that I'm fit for retirement whenever, but I have a lot of thinking about what I want to do. I don't know if I can afford the amounts of clays and cartridges that I'd like. Quote Link to comment Share on other sites More sharing options...
panoma1 Posted September 17, 2016 Report Share Posted September 17, 2016 Paying the mortgage off is the deal breaker! Not only do you not have to pay out mortgage repayments (say for example £400 per month) but having paid your mortgage off....you have that £400 to spend..........£800 per month better off! Quote Link to comment Share on other sites More sharing options...
The Heron Posted September 18, 2016 Report Share Posted September 18, 2016 Health is everything you can manage on a smaller income. Quote Link to comment Share on other sites More sharing options...
four-wheel-drive Posted September 18, 2016 Report Share Posted September 18, 2016 I think to some degree it depends on what you do for a living if you work in an office or non manual work then retiring and taking up some more active hobbies may well be a good thing but if you have been used to doing hard work to retire could well be the kiss of death unless you can keep very active Quote Link to comment Share on other sites More sharing options...
team tractor Posted September 18, 2016 Report Share Posted September 18, 2016 I turned up to the field target club today to find my friend has died 2 months ago. He's been retired a good while now. That's the second in 3 years. I can see both sides but I know I'll keep going until I drop . Quote Link to comment Share on other sites More sharing options...
oowee Posted September 18, 2016 Report Share Posted September 18, 2016 I retired at fifty, six years ago. I love life now just as much now as i did working. Work or retired matters little if you enjoy it, there is no tomorrow or yesterday only now. Quote Link to comment Share on other sites More sharing options...
bruno22rf Posted September 19, 2016 Report Share Posted September 19, 2016 Retired about 3 years ago - walk the Dogs around the woods twice a day and shoot whenever I want - pick up English guns cheap and restore them whenever I can....what's not to love. On the flip side I have put on weight and nowhere near as fit as I was when working - the deterioration in muscle tone and flexibility is quite rapid if you don't keep as active as you can. Quote Link to comment Share on other sites More sharing options...
Ollieollie Posted September 19, 2016 Report Share Posted September 19, 2016 If you can and want to, do it. My grandmother in law is 65 now and in ill health and has just realised she cant afford to retire any time soon which is making her even worse, not a good place to be! Quote Link to comment Share on other sites More sharing options...
Pugs Posted September 19, 2016 Report Share Posted September 19, 2016 I retired at fifty, six years ago. I love life now just as much now as i did working. Work or retired matters little if you enjoy it, there is no tomorrow or yesterday only now. Hi, did you worry about NI contributions at all? Same age, coming on 50 and although I have 35 years to make up full state pension word has it you still have to pay NI (even though it's not contributing to your own pension after 35 years....!). Did HMRC get on to you at all? Quote Link to comment Share on other sites More sharing options...
Smokersmith Posted September 19, 2016 Report Share Posted September 19, 2016 At 43 it seems like a long way off .... I have pension plans in place and with a mortgage at the right rate, that should be gone by the time I'm 50. That income will then go into getting the kids though uni and getting them a start ... With expensive hobbies I can't see myself retiring before 67 .... but I will be playing hard all the way!! Quote Link to comment Share on other sites More sharing options...
BIG 5 Posted September 19, 2016 Report Share Posted September 19, 2016 I retire soon at 52 on a good pension and have dearly paid for it over many years. I have no intension of wasting any more time of my life working again. Bring on the many great days shooting and fishing so I can leave this earth happy and content. Quote Link to comment Share on other sites More sharing options...
AVB Posted September 19, 2016 Report Share Posted September 19, 2016 Thought you had to be over 55 to draw on your pension. A lot of people on here have retired a lot earlier. How come? Quote Link to comment Share on other sites More sharing options...
team tractor Posted September 19, 2016 Report Share Posted September 19, 2016 Thought you had to be over 55 to draw on your pension. A lot of people on here have retired a lot earlier. How come? I've thought the same. My neighbours retired on the state lol Quote Link to comment Share on other sites More sharing options...
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