No Excuses

Making Chanes spelled out in blocks
Photo by Brett Jordan on Unsplash

Lately I’ve been feeling kind of like my progress is blah.  Nothing I do seems to be too meaningful and everything, even fun things just feel like additional tasks.  So I decided to step back and look at what we have going for us as retired folks.  And then look at our typical problems, and possible “no excuses” solutions.

What We Have Going For Us

More Time Than At Any Time In Life

We are supposedly at least partially retired (this article is being written for RetireReal after all!)  I will fully admit that time seems to fly.  Many times I remark to my wife “How can it be that late already?”  So we should at least have more time than we did when we were working.  Back then some boss or management dictated how you spent your time.

Now we have more control over how we spend our time.  So let’s manage it better and use our time for our priorities.

Some Money Maybe, And Ability To Find More

Hopefully you have at least some savings and some Social Security coming in.  And I’m well aware that circumstances may have made that savings much less than we wanted, or nothing at all!

But Social Security is something you didn’t get when you were younger, so it is a good base to start from.  Some of us will need to work in some capacity to fill in the gaps as best we can.  And that’s not all bad at all as studies show working helps your social connections and may even allow you to live longer.

In many parts of the world, and even in the US prior to the 1930s there was no retirement.  Most worked their whole lives, not that I’m saying that was a good thing!

In today’s world many people work and start and run businesses into their 70s, 80s and beyond.  I am inspired by all the older folks doing just that.

Some Wisdom

Hopefully as we get older we gain a little wisdom.  We may have made many mistakes but hopefully we have learned from them.  So we should in theory make a few less mistakes, waste less time, and generally be more efficient in how we do things.

We Have Minutes

Only God knows how long we will live.  But we hopefully have some more minutes so let’s make the most of them.

Common Problems And The No Excuses Way To Address Them!

Not Enough Money

Make some – Get a Part Time job.  Many businesses love hiring retired people, and many retired people actually enjoy the part time work.  Start a small business.  Many retired folks do!.  For little bits of money sell something that you no longer need.  Many of us have accumulated all kinds of “stuff” over the years.

Bored

Find hobbies.  There are hundreds of possibilities.  Do some research.  Many are free or low cost and some might even turn into another source of income.  Here are some articles to get you thinking:

Lonely

Join something.  For many of us our social connections revolved around work for most of our careers.  Making new friends can be daunting.  Try joining a club or volunteering with like minded people.  And a part time job can help.

Lack of Goals

For much of our careers some boss or manager set many of our goals.  Now it is time to set some of our own.  There is lots of good information out there on how to set and achieve goals.  Do some research and pick up a well reviewed book or two.

Lack of Skills

Learn some.  What a great time to learn new things.  The Internet has opened up so many opportunities.  Many are free.  Pick some classes or tutorials and get started.

Lack Of Time Left

Make the most of every minute.  What can you do in the next two minutes that will have some lasting effect?  Make a kind comment.  Read a good quote.  Write a thank you note.

I hope this article leaves you thinking.  If you think you need a little kick in the butt, give it to yourself!

Wishing you the best in your efforts!

Two Years Into Retirement

Guys Playing Chess
Photo by Vlad Sargu on Unsplash

I retired from my 29 year job on May 1,2020.  Yes, I managed to retire right into a pandemic.

How Retirement Happened

After starting my career in banking I switched over to the software side of things because of my love of computers and software.  I ended up at the same company for 29 years.  It started as a fairly small company where everyone knew everyone and we had direct contact with the owners.  Unfortunately it was eventually bought out by a big corporation that got bigger and bigger.  As with most big companies there was constant cost cutting and layoffs as well as a shift to as much offshoring as possible.  I probably stayed around longer than I should but the saving grace was many of the people I started out with stayed together and things were mostly tolerable within the group I managed.

I planned on retiring somewhere around the age of 68.  However the company offered a buyout of sorts to people over 60.  It wasn’t anything too great financially but more layoffs were looming so I took it.  One good thing was that I could delay my last date several months which would take me close to my Social Security full retirement age of 66.  I calculated between Social Security, savings, and probably a part time job we would be OK.

So Much Has Happened

I told my retirement story in another post here.  The short version is I retired into the start of a pandemic.  The last six weeks of my career were spent managing my team remotely.  My retirement party was on Zoom.  Travel was out and even a part time job was risky as I fall into a high risk category.

What I Learned

Time Goes Really Fast

You would think with finally having all that extra time on your hands time would go slower.  After all, you aren’t spending most of your working hours working or commuting.

But time does seem to go even faster, at least for me.  Maybe that’s because I have things I really want to get done and my days are pretty full.  There still always seems to be never enough time!

Some Little Things Are Really Cool

I really love not going into work on Monday mornings.  Monday is just another day.

I like going to stores at off peak hours when they are less crowded.  I avoid stores on the weekends like the plague!

I like being able to escape to our little travel trailer in the country whenever we want.

Some Things Are Harder Than Expected

Money goes faster than expected.  I did lots of planning with budget spreadsheets and financial calculators.  It is all the unexpected expenses that surprise you.

I miss my friends from when I worked.  Many of them I knew for over 20 years and even though we try to stay in touch it’s never the same.

Health problems do start popping up.  I’m very grateful that nothing too serious has appeared but it’s more than it used to be and I know as I age it will probably get worse.

Some Things Are Easier Than Expected.

I worried about what I would do with myself all day.  But I’ve kept pretty busy between my interests in writing, building websites, programming, and other “nerdy” activities.  And I read much more than I did before.

I was afraid I would spend too much time in front of the TV.  That hasn’t happened and in fact I find TV kind of boring these days.  There are so many more interesting things to do.

So, the bottom line is retirement has been different than expected but still pretty good.  And I have more plans that may make traditional retirement almost obsolete anyway.

For those of you that are retired what have been your surprises?

10 Easy Health Changes

Big colorful salad
Photo by Nadine Primeau on Unsplash

Walk daily

This one is probably the easiest and yet the most beneficial.  Walking is just so good for you.  There are physical and mental benefits.  Try different routes outside or invest in a treadmill.  A treadmill takes away the excuse of poor weather!  Just do it!

Park In Back Of Lot

This one is mentioned often but really is true.  It has the added benefit of lessening the possibility of your car getting those nasty shopping cart dings.

Eat A Little Less

I’ve been trying to practice this one myself lately.  It is not a full fledged diet, but those few less calories can add up over time.  I’ve found that once you get in the habit it gets easier.  I read somewhere that it takes a while for your  brain to catch up with what is going on in your stomach.  This means that when you stop eating a little before you feel full you will probably feel full anyway in just a few minutes!

More Fruit, Less Sugar Desserts

You have always been given this advice, and the advice is good.  Experiment and find what works for you.  My favorites have become organic blueberries, blackberries, strawberries, and Fuji apples (they are very sweet!)  Give it a try.

Read On Treadmill

This one has become a habit for me.  Some people like music or watching tv, but I’ve found the time flies when I read.  Sometimes I even end up doing extra time when I’m trying to finish a chapter or reading an especially exciting passage.

Eat Less Carbs

This is another area that can be a big help even if you’re not on a real diet.  It is generally understood that eating too many white carbs  is not good for you.  Unfortunately, today’s foods are often full of exactly that.  Besides cutting back on whote carbs there are some carbs that are better for you.  For example brown rice is better than white rice.  Do some research.  There is lots of good information out there if we bother to pay attention to it.

More Salad

This is another of the more obvious ones but we all know those greens are great for you.  There is so much variety available and it’s easy with prepackaged lettuces and spinach.  Go for it but pay attention to that dressing!  (see below)

Find Low Calorie Salad Dressing

The dressing can make a salad into the equivalent of a not so healthy dessert.  Just look at the calories and fat on the label.  And that is usually for only one or two tablespoons, and who uses that little amount?  I’ve fought this one myself forever; I love my Blue Cheese dressing!  And I’ve found that low calorie versions just don’t taste that great.  What I have found is good is simply to drizzle on a little olive oil and apple cider vinegar.  It doesn’t take much.  But I still allow myself Blue Cheese once in a while!

Go To Bed Fairly Early

Some people are night owls, and if that works for you, great.  However most of us need our seven or eight hours.  Start skimping and all kinds of problems can develop.  Also most people are most productive early in the morning, so a reasonable bedtime is very beneficial.

Learn Breathing Exercises

This was a new one for me.  I only learned the benefits recently.  Give it a try to help with all kinds of things, from lowering blood pressure a little, to reducing the possibility of a panic attack.

What ideas do you have?