Its been quite a strange month. It’s 3 months since I stopped working and have actually enjoyed the time off. I have managed to get quite a few jobs done on the house and have been able to go out cycling at least twice a week. It’s been great having the flexibility to take time in the normal working week to do activities and not be worried about having to get back for 9am Monday morning after a weekend away.
I cycled this morning – a nice 20 miler in the sunshine. I have also had an interview for a job !!!
What?? I thought you were ‘retired’. Well, sort of; I have had a nice 3 month break and a job was advertised that was so close to home I just had to check it out…so close I could walk/cycle there!! . I have been interviewed and asked back for the second round. I may not get this role but it was one of those situations where they don’t come up often and I didn’t want to sit and wonder in the future if I should have gone and had a go at it. I have been considering my ‘retirement’ as a ‘semi-retired’ form, where I could pop in and out of jobs over the years enabling my to choose when to work and accrue more NI credits to get my full state pension.
I could be back in the rat race before I know it – but – I will be back under my terms if I do. I can earn some additional income and accumulate some more money into my Honey Pot and also sort out my BTL – so far I have made no money out of the new tenant as they have raised so many maintenance issues it has cancelled out all the rent ( I am not sure if they are breaking everything they touch or if it is just bad luck). It hasn’t left enough to pay the mortgage so this is coming out of the rent account balance. This goes to show how BTL isn’t a gravy train of money and issues can arise that dent the income. I hope that things get better over the next few months otherwise this tenant will be a loss maker.
The good news on the expenses front is that I have managed to get my groceries expenses under my £100 budget for the first time. I have been making my own yogurt and changing my buying habits to reduce any possible wastage – not that I wasted much anyway.
Walking and cycling as much as possible has meant that I have had no fuel purchases for my car this month either. I haven’t had a look at the mileage but I know it’s low. I did my volunteering this month and needed the car to get to the location. I had a great time and feel somewhat refreshed after doing things I enjoy.
The bad news is that my eyes are hurting big time. All that cycling has resulted in fly debris and according to my doctor I now have dry eye syndrome (so I have drops to ease this) and need to get an eye test. Now when I was working I would have qualified for a free eye test, now that I am not working I will have to pay unless I can find a voucher for a free test. I guess I will need glasses this time so that will increase my expenses next month.
Any Frugals out there who know the best optician to use (reasonable frame/lens prices!) and any free eye test vouchers? I have found a Boots voucher for a free eye check but not sure they have a good price selection should I need to get glasses – I don’t wear any at the moment but age is now catching up with me.
Overall, a happy month and it will be interesting to see what next month brings and if I will be ending next month as an employee and back in the rat race. Time will tell…..