Ever since my Lucy died, I have been confident that I will get another puppy. But that I will wait until retirement to do so. When I will have the time to devote to raising a small pup in the right way – training it and exposing it to all that it needs to process during those crucial early months…in order to develop into a well-rounded, confident companion.
The Indomitable Lucy – old and sick in this picture, but still the gold standard to be met for the next dog
But lately I am wondering when exactly during my retirement will I get another pet? Perhaps not right away. Perhaps I will wait until I am a bit older, and have tamped down my wanderlust a bit. Perhaps I will wait until I move to a more suitable property to keep a dog than my current one. Perhaps then I will get multiple dogs, like Me Too and Mrs. Me Too. Who knows?
I vacillate between obsessively stalking Mini-Schnauzer breeder websites (and thinking that I can’t wait until I retire), and thinking I should wait until I am in my 70s and (perhaps?) more house-bound.
What I want is another Lucy and there are no guarantees of that. I think that means I am not yet over her, and ready to bring another wonderful dog into my life.
Housekeeping: At least one person is still unable to comment so I have deleted my current Subscribe to Comments plugin (a possible culprit). Hope this fixes things and so sorry for any inconvenience. I will continue to search for ways to improve ye olde blogge and for communicating with me. I have set up an email address associated with the blog – please feel free to contact me at theWB@widowbadass.com
According to my Collins Essential Canadian English Dictionary and Thesaurus (consulted for “O” words yesterday), an OAP is an old-age pensioner. A blanket term referring to those who now eagerly await their monthly government buckeroos so they can hit Seniors’ Day at Shoppers Drug Mart with gusto, followed by a well-deserved coffee klatch at Timmie’s! 😉
Where I live, the Shoppers Drug Mart is directly across the street from the Tim Hortons. Someone is clever like a fox, no?
I can’t believe I am here…at the Letter O already…and I do not know how much $$ I will be receiving from the government when I turn 65.
In Canada, the government benefits for retired people are the Canada Pension Plan and Old Age Security. CPP is what working Canadians pay into (along with their employers) with every cheque, and OAS is for everyone, and eligibility is based on residency requirements and is adjusted based on annual income.
In the process of perusing the Government of Canada website for information and using their retirement calculator, I found out these things:
the average Canadian receives $644 monthly;
I don’t have a CPP statement of contributions and benefits (very much needed to proceed), and;
to get my CPP statement of benefits information, I have to apply for it, and;
a special access code and/or the statement will be mailed to me. I have forgotten already which I am getting but all I know is that I can’t proceed any further until I get the magic info by mail.
So, I have done all of the above and now I must wait for the snail mail to come in.
Housekeeping: Thanks to guidance from the good folks at Bluehost, I think the commenting problem is fixed. I was walked through steps to optimize my website’s database and also given a lead on what to work on next – a plugin that may not work with the latest version of WordPress is a potential villain here – if the problem persists.
Of course, when Mr. Bluehost and I tried things out so I could illustrate the problem, comments were posted no problemo no matter what browser or type of device (mobile, desktop) was used. Sigh. Anyways, fingers crossed no one has issues with leaving a comment from here on out.
And I have 5 whole comments in my Spam folder as of today so that shit is getting through again. Mr. Bluehost laughed when I complained of not even getting spam anymore – that was a first for him, he said.
Never is such a forever word. People who use it have to eat their words every once in a while.
I try to avoid it because of this, and because it limits you to possibilities.
I try instead to love a new idea or plan for at least 15 minutes. This gives me time to imagine it unfolding and fitting into my world.
Often when I love and live with an idea for 15 minutes, I realize it’s really not for me. So all I’ve lost is 15 minutes of dream-time.
But if I dismissed something without thinking it through – something that might have been an wonderful idea if I had only given it a chance – well, that would be my loss.
So what has this got to do with retirement, you might be asking by now. Nothing that doesn’t also apply to working life also! I use the 15 minute rule even more at work than I do at home, right now.
However I think that these automatic nevers and negative thinking and discounting of new ideas might come easier the older one gets, and even easier when someone is retired. It’s just a hunch I have and something I want to be aware of and avoid if possible.
So I vow to never say never. 😉
Except for how I feel about my life now. Because since I have been on my own:
Never have I been so relaxed
Never have I been so content
Never have I been in so much control of my own life
The biggest worry for me (as for most people) when it comes to retirement is THE MONEY. What is enough? Will I outlive my money? What if something unplanned happens that sucks it all up?
Every financial website has a retirement calculator. I used the one from my bank just today:
I like that it allows you to play around with the numbers to see how that changes the outcome. For example, if I want to live on 45K/year in my “golden years” instead of 60K, I need a whole lot less money squirrelled away. (Even 45K seems somewhat extravagant for my particular lifestyle/circumstances so early retirement is looking more and more promising.)
One thing I have learned from my mother’s retirement is that you don’t need the whack load of money most financial planners say you do. Mom certainly did not have anywhere near the money they advise you to have in her savings and her second husband had even less. Yet, they still were able to do all the things they wanted to do. They lived comfortably yet modestly all their working lives and continued to do so in retirement. They were able to travel and indulge their love of camping and Mom’s (in particular) passion for computers and electronic gadgets. Mom had both a MacBook and an iPad long before I could afford one!
And Mom still left (lots of…too much) money to us kids when she died, at age 79. In fact, she had trouble using up all the bucks she had to withdraw from her RRIF every year and used to hand out cheques to her family every once in a while “because she wanted to see us enjoy the money while she still lived”.
This article echoes a lot of my same thoughts on this subject:
As I continue to gather data on what I need to live, research how I want to live, and talk to my own financial advisor about retirement (early or not) I am becoming – dare I say it – relaxed about eventually giving up my paycheque. My biggest worry is rapidly being whittled down to a more manageable size.
When my sisters and I were little, my parents and grandparents would go for their annual 2 week vacation together. Each year during that time period we would head up to Mattawa, to a rented cottage. This was before the tent-trailer/trailer camping phase (sans grandparents) of our lives began.
I absolutely loved staying at the Blanchard family’s cottages, located on a private lake.
Every (very early) morning was spent watching the sun rise from our little aluminum boat, poles expectantly dangling above the water. Every evening was spent the same way, this time watching the sun go down and using a flashlight to get back to the dock in the near darkness.
We caught so much fish we had it for breakfast (catfish with our eggs and bacon) and supper (perch, bass or pike). At first it was great. But after a week of this we kids used to beg Mom: “Please, no more fish! Can’t we have pork chops tonight please???”
Days were spent exploring the property and swimming in the lake. There was a little pond at the end of a trail in the bush near the cottage, that housed the baby fish used to stock the lake. I loved to go there and check on their progress.
There was a tiny tuck shop at the main house and every day Mom would give us a dime (a whole dime!!!) with which to buy ourselves a treat – it ended up being a chocolate bar, usually. This was unbelievably thrilling to us as kids as we didn’t have any sweets at our house, except for special occasions.
My middle sister (the youngest was still too young to accompany us) would invariably pipe up that she wanted whatever I was getting, which earned her the nickname “Me-Too” from Mrs. Blanchard.
Once back home, I would often lay awake at night and relive those carefree, happy weeks every summer at the cottage. I felt unbearably homesick for that part of the province at times, and vowed I would find a way to live there – on a lake – when I grew up.
Well, I grew up and did not end up north of here, living lakeside, for a multitude of reasons.
But little Me-Too managed to do it! And I was reminded of my childhood vow when I visited her and her wife at their lovely property last summer.
Corry Lake Sunset
This got me thinking that I have nothing stopping me from relocating to a waterfront property, once I am no longer tied to an area due to proximity to work. There are so many lakes in this province of mine (including 4 Great Lakes) that it will be hard to choose the exact “right” one for me.
For sure, my dream property has to be close to hiking and walking trails and be ideal for kayaking, stand-up paddle boarding, and swimming.
(Fishing has lost its thrill for me so that doesn’t factor into my decision…something I never could have foreseen. I haven’t fished in years and last time I did I surprisingly felt so sorry for the beautiful fish I hauled out of the lake, I released it right away – much to my first husband’s chagrin. So I started leaving my pole on the shore and bringing a book onto the boat with him instead.)
Obviously a move like this is a huge decision and one that requires a lot of thought and research. Wouldn’t it be funny if it became my turn to be “Me-Too”?
K is for Knapsack, which means hitting the road (or trail)!
When I see my knapsack I think of hiking trails, road trips and camping.
One of my biggest dreams for my retirement is being able to “hit the road” and explore North America (and it’s byways and hiking trails), for several weeks at a time. I haven’t quite settled on whether I will do this from an RV (but quite small, like a VW microbus) or haul a trailer behind me (also small, like a T@B or T@G or – if I win a lottery – an Airstream Bambi!), or just stay at motels. It may end up being “all of the above”, depending on the type/length of trip and as I try things out to figure on what’s best for me.
I camped a lot growing up, and also as a young wife and mother. Tents, trailers, tent trailers…I’ve experienced them all. I loved the camping life and am confident I will again. I have found people who camp to be generally the friendliest and most helpful of people. Wherever we went, campers were always there for each other.
However, I’m a bit nervous about hauling something behind me as I’ve never done it solo. Luckily, there are support systems out there for female camping enthusiasts, like Sisters on the Fly and Girl Camper.
I believe SOTF will even assign the newbie a mentor to offer encouragement and answer questions about camping and hauling a trailer, as a lone female. I like their rules for their outings: “No Men, No Kids, Be Nice, Have Fun.” They are big on “me-time” and getting together as women-only to rejuvenate and re-energize, sans daily responsibilities – hence the “no men, no kids” rule. And their motto: “We have more fun than anyone.” It’s a group I think I will explore further as I get closer to retirement. From the information on their website (and the pictures of the so-cute decked-out trailers – many vintage), it certainly does look like they have a lot of fun. And you don’t even need to own a trailer or even a tent for that matter, to be a Sister.
Girl Camper (Motto: Going places. Doing things.) offers a regular podcast on all things “girl camper”, no surprises there. I’ve listened to a few podcasts so far and the interchange between the host (Janine Pettit) and the guest speaker is often a real hoot. These are the campers and camping enthusiasts I remember from my younger days! Having fun and living life, telling funny stories around the nightly campfire, and always available to help a fellow camper out.
If there is no one available to share one’s interests (and that new-found free time), retirement could end up being a bit lonely, even for an introvert like me.
I’m already experiencing that to some degree. I have a hard time finding people to accompany me to some of the events I am interested in. Especially live music shows or festivals. Friends my age don’t always share my taste in or passion for live music. Friends that are younger than me don’t necessarily have the free time or cash to spare.
I don’t have a problem attending these events alone if there is a band I just have to see. However, it is much nicer to do this with other people. And wouldn’t you know it – there’s an app for just these types of situations. Meet Meetup.com!
I haven’t joined yet but I have creeped looked on the website for what is going on in my area. There are local meet-ups for hiking, book clubs, art, writing, language and culture, sports, travel…for just about everything.
Anyone can start a Meetup group and start attracting other like-minded individuals to…well…meet up, in real life! Meetup membership is free, and organizers may charge a fee for joining their group or certain events, to cover the cost. The basic plan for an organizer is about 10 bucks, USD per month. So, not outrageous especially if participants kick in a few bucks at each event to keep the group going.
Community centres also offer many diverse activities (also for a fee, albeit usually pretty reasonable) for retirees. There’s one within walking distance to me that also has a pool and fitness centre attached. I look at the quarterly activities guide that is published and see daily events and classes that I would love to attend if only the times offered didn’t conflict with this earning-a-living thing I am still involved with…Ahhh, someday!
Interests keep us engaged and keep our minds active.
I is also for Internet – which means you can still pursue interests and be part of a community even if getting out and about becomes more challenging while aging.
Have you ever met an older person who spends all their time with you going over their past and talking about themselves (and people they know but you don’t) and never once asking about you and your life? And when you do get a chance to talk and update them with what you are doing, they can’t ever get it straight or remember what you told them (because they weren’t really listening, I think). I have met some people like this. I hear the same stories every time I visit. And I smile and nod and listen patiently and plan my escape.
I’m not 100% sure why this happens but I think a lot of it has to do with being housebound and spending too much time watching drivel on TV. We turn inward instead of staying engaged and outward-focused.
I never want to be that old person.
My mother was never that old person. My stepdad is not that old person.
I hope that by pursuing various interests (of which I have an unlimited supply, it seems some days) I can escape that fate.
If not, I hope my kids are around to notice and then kick my ass (or at least get me to shut up).
Health is wealth. The kind of wealth you take for granted if you have been reasonably healthy throughout life. The kind of wealth you didn’t realize you possessed until it is taken away from you.
What is the purpose of scrimping and saving throughout life, of putting off fantastic experiences, of delaying travel and life’s little luxuries, if you finally retire and the state of your health doesn’t allow you to enjoy any of the above?
Most of us no longer physically labour throughout our lives. That can be a good thing as we can arrive at retirement without the damage and aches from a lifetime of punishing our bodies each day. But it is often a bad thing as we enter retirement from a lifetime of being mostly sedentary at work, and then ending our days flopped out on the couch. Our muscles atrophy from lack of use, and our range of motion becomes increasingly limited.
I am fighting this right now. Since February I have been receiving physiotherapy and doing daily homework exercises to regain full use of my left shoulder. I am happy to report, that after much hard work, I have regained what seems to me to be full (albeit still somewhat painful at times) range of motion with my left arm. YES!
I am also working on regaining at least some of my lost youthful flexibility and balance through the practice of yoga and barre exercises. And I am currently training for my fifth (or is it sixth? Jeez, I can’t keep track…) half-marathon event, taking place in June. I plan to mostly walk this one. However, I recently started incorporating some sprinting intervals in my training walks thanks to OKs from my docs (post-TIAs, described here and here) and this article: The Best Exercise for Aging Muscles. So I might be able to break up my 21.1K walk with some periodic running time by the time the Niagara Falls Women’s Half Marathon rolls around.
Cautionary Tale: my maternal grandmother had decided in her 70s, that after a lifetime of raising kids and keeping house, she was now a retired lady of leisure and therefore finished with cooking and house-cleaning. She entered a retirement facility where everything was looked after for her, and guess what happened? In a very short time she was no longer physically capable of doing much of anything. And her mind deteriorated along with her body.
This, my friends, will not be me if I can at all help it.
I’m a goal setter. You might have guessed that by now if you read ye olde blogge regularly. I don’t see me setting less goals once I retire. In fact, I see even more of this happening.
I come by this naturally.
My mother was forever learning new things and setting goals for herself.
Mom had a bad back and went through several surgeries in her 30s and 40s. In her early 50s she was diagnosed with degenerative disc disease and told she’d be in a wheelchair within 5 years. Once the doctor told her she couldn’t injure her back any further (so she might as well do whatever she wanted), Mom trained for and obtained her lifeguard certification (at age 54) and started teaching aqua aerobics. This led to her eventually supervising the pool full-time at a local seniors’ facility. When my dad died suddenly, her back flared up again and she had to leave that job.
Still not in a wheelchair, she started working at my (then) workplace, in a support role. Then her cancer diagnosis put her into an actual retirement.
Even then she was into doing new things. She decided to take up the guitar and taught herself some new crafts. As I mentioned a few days earlier on ye olde blogge, she also took up volunteering at her local cancer clinic and in Emerg.
In her “spare time”, she knit and crocheted chemo caps and squares to be sewn into warm blankets for people undergoing their infusions.
Still not in a wheelchair, she and my stepdad enjoyed travelling with their camping group and spending summers down at the lake in their ever-changing lineup of travel trailers. Mom walked or biked around the park every day to keep fit.
She didn’t actually end up in a wheelchair until the last few months of her life, and then only when she became too tired to walk more than a few steps at a time. She was 79 years old and finally in that damn wheelchair, 25 years later.
Even after she refused further treatment and knew she was dying shortly, she was still knitting and crocheting for her first great-grandbaby. To add variety to her day, Mom had also taken up another new hobby to keep her mind busy as her body was failing her – colouring in adult colouring books! My son framed 3 of her coloured-in mandala pages as gift for my stepdad, at her request. She had a goal to complete this before she died so he could have this as a Christmas gift from her. Mom died a week before Christmas 2015 but those mandalas were completed first. Oh, yes!
See what I mean about goals? With an example like that to follow, I can’t NOT have any no matter what age or condition I am in.
