Why downsize in retirement?

Following my retirement we bought a larger house – 3 bedroom detached with a large garden and a garage. It was fabulous and I have written about it in the past. However we never thought it would be our forever home, as we don’t have any children we always wanted to be proactive and forward plan for changes in our needs, for example mobility, health and lifestyle.

A frontal view of a house and garden bunting across the garden

So in 2023 after John took early retirement we made the decision to downsize. Before hand we did our research and made a list of the pro’s and con’s.

This is what we found:-

Downsizing in retirement in the UK is often considered a good idea because it can significantly reduce monthly expenses by lowering maintenance costs and utility bills associated with a smaller home and it can free up extra money to enjoy retirement activities by generating a lump sum from equity from your current property.

It can also allow you to move to a more suitable location with better accessibility features as you age and living amongst like minded people.

So in summary these were the Pro’s and Con’s we considered:

Pro’s

Financial benefits:

  • Lower living costs: 
  • Access to equity: 
  • Maximise income: Reduced monthly expenses can provide more disposable income for leisure activities. 
  • Lifestyle advantages:
    • Better location: Moving to a smaller property could allow you to live in a preferred area. 
    • Accessibility: A flat or retirement community with easier access features as you age. 
    • Reduced upkeep: Less space means less time spent on gardening and general maintenance. 

The cons are:

  • The Property market : Research the current property market to ensure you can sell your home for a good price.  Zoopla is a good resource online plus researching similar houses for sale in your area.
  • Costs of moving: Factor in the costs associated with selling our current home and buying a new one. 
  • Emotional impact: Downsizing can be an emotional decision for some.

Therefore this was the starting block to consider what to do.

We decided that downsizing was the correct option for us. We had identified a block of flats we wished to live in, it wasn’t for over 50’s or any specific age group but it seemed to attract residents with a similar age group to us and we had heard great things about it. The maintenance charges were not extortionate and it would hopefully suit future mobility and help needs. The large garden in our current home required a lot of input and due to the poor weather in Manchester we had very little opportunity to enjoy it! In case you didn’t know it’s always grey, cloudy and rainy!

Our home had a good amount of equity in it – we were mortgage free thankully and we had no real emotional attachment – yes it held some great memories but in our opinion we could make more wherever we lived.

In a follow up post we will describe our journey to downsize.

Thanks for reading – if you’re wondering if you should to downsize in retirement I hope this helps? Or if you have already made the decision what is your thoughts about it.

Elaine and John

Restaurant Review – Artisan Manchester Speedy Lunch Menu

This was the second time I have visited Artisan for the Express lunch menu – the first time was just before Christmas, due to the hectic schedule around the festive season I forgot to write up my review on that occasion! So here goes 2nd time lucky!

  • Name of Restaurant

Artisan Avenue North, 18-22 Bridge St, Manchester M3 3BZ

  • Reason for Visit

A late lunchtime catch up with 4 girlfriends – we’re all young at heart over 50’s. We had pre booked for 2pm

  • First Impression

You enter the restaurant from the Avenue by a small doorway – once inside you have to climb stairs and there is a choice of 2 directions – this can be a bit confusing as to which direction is for the restaurant one of our party ended up in the bar and not the restaurant, and for the record she isn’t someone who regularly gets lost! Once you reach the restaurant there is a welcome area with a desk where a lovely girl took our details and invited us to enter the bar and waiting area. Artisan is very rustic looking lots of reclaimed wood and furniture on display. I have to say we really liked the look instantly. The restaurant area continues with this theme and again it is a very pleasant setting – a long expanse of windows allow lots of light in, although the view from the windows are not the greatest.

  • Time to get served/attention

As stated earlier there is a member of staff already in place to meet and greet, once seated and having a pre lunch drink a waitress came promptly to take us to our table.

  • Food

We ate from the Express lunch menu I chose the red pepper houmous and wood fired flat bread, the flattened rump steak (well done) with chimichurri, rocket and courgette salad and a glass of white wine. There was a choice of 2 house whites which was a nice touch.

The starter came on a wooden platter – 2 vary large slices of flatbread and a portion of red pepper houmous and a selection of sliced vegetables. The flat bread was delicious – thin and crispy perfect for my tastes, although I could only eat one! The houmous was a bit bland in my opinion I couldn’t really taste the garlic, although there must have been an adequate amount as Mr Fitz commented on it when I greeted him with a kiss when I got home.

My steak was tasty and cooked how I like it – yes I know, well done meat is so old fashioned but hey I don’t follow every trend! It was served with the simple green salad which I felt was just enough. I chose a glass of Pinot to wash it down with, having already had a pre lunch Three Rivers Gin and tonic from the bar. Note I stayed loyal to my proud Mancunian roots by choosing a local gin from the extensive Gin menu.

  • Service

Our waiter was very warm and friendly – he did have to attempt to take our order twice due to us chatting and not choosing, but that was not a problem for him, he was patient with us. Food arrived promptly and the all important wine!

The only downsides to the service on this occasion was obtaining our bill, after 15 minutes we had not seen any staff to ask for the bill. I had to go out to reception to ask the girl there if she could find us someone. A waiter then appeared and promptly fulfilled our request.

  • Evaluation

This is a nice setting for lunch, I cannot comment on any other time of the day. I love the decor and surroundings. Apart from the hitch with the bill I do think the service is speedy when seated. If you wish to have a pre or post meal drink the upstairs bar area is very comfortable and inviting and the choice of drinks available are many and displayed well. The food is tasty and in adequate proportions for a lunch portion.

Myself and my friends would definitely return again. Great surroundings and value for money

Brilliant blog posts on HonestMum.com

I hate my shape!

Like many women of my age I hate the shape my body has taken on in recent years. I have become the stereotypical middle aged, menopausal apple shape and I detest it with a passion.
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I am only 4 foot 10 inches and have been petite most of my adult life. I felt that things started to change in my 40’s for me when I stopped working shifts and became a full time University student to study for my Masters Degree in Health Sciences. It was a great 2 years, studying at home sat in front of the computer for hours not having to dress smart. I could slob about in track suit bottoms. Then I would travel to the University every week along with my colleague. We were sponsored by our employer to attend and retrain. We were staying in a hotel every Wednesday night, eating in the pub, regular breaks in the University refectory. Within 3 months I had gained a stone and a half. No running up and down a busy Neonatal Unit burning calories. From that time onwards I was never able to lose this weight and despite taking up running, going to the gym and paying a Personal Trainer it stayed and I have continued to gain weight. It got worse again when I returned to shift work at 50, again for my role. I then returned to nights, days, 13 hour long shifts, short 7.5 hour shifts. Sometimes working nights and day shifts in the same week. This I feel totally knocked my metabolism off kilter. This coincided with the menopause.  Nothing has helped me shift weight. I can lose 7lbs and then I plateau. I have tried Slimming World, Weight watchers and an Extremely low calorie diet, living on liquid replacement drinks of 450 calories a day. This did help me lose 1.5 stone, but it didn’t stay off too long after my husband came out of work and took over the cooking. His Desperate Dan portions contributed to more weight gain.

 

18 months ago my GP advised me that I had to try and lose weight due to a medical problem. She had great empathy and prescribed me Orlistat, a fat binding tablet to help me. She and other medical colleagues have all said that due to my hormonal state and irregular shift patterns I could not maintain a steady Cortisol level and this was inhibiting my chances of losing the weight. I was informed by my GP that in some people these tablets do not work. Well yes, you guessed it I was one of the people they did not work for. I lost my usual 7lbs and that was it. If you’re not familiar with these tablets they bind to fat and help you excrete 25% of your fat intake in your stools. (Sorry for those of you with weak stomachs!). It also involves eating a low fat diet or the side effects are very unpleasant!

 

So here I am half a stone lighter but stuck! I feel I need a miracle worker. I am surrounded by colleagues who are losing weight for fun on slimming world and I’m not.

I am very interested in clothes and fashion. I regularly get compliments on my appearance. I have to say I work hard at buying clothes that disguise my middle. However they are not the clothes I wish to wear. I long to wear the lovely body con dresses worn by Lorraine or Ruth Langford. Sadly it’s not to be, to add insult to injury I also have big boobs! Fitted jackets are also problematic.

This week I decided to go shopping to buy some dresses for summer and a couple of social events I have been invited to. This was an unmitigated disaster on the whole. Changing room mirrors are brutal as we all know. I came away with nothing that I really wanted, no smart dresses, just a couple of casual tops for my summer holiday overseas. I came home feeling very low indeed.

But I am a very positive person – my cup is always half full, and I found some positives. I went to a charity ball this week and wore a cocktail dress that I have had in my wardrobe for a couple of years it had only had one previous outing. I admit it was tighter than when I last wore it, but overall I was happy with how I looked in it.
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I then thought about where I had got this from. It was from a design brand called So Fabulous, I have a few of their pieces that I buy online from Fashion World. Reflecting on this I realised that all my favourite dresses were purchased from that website. Other brands I have purchased from Fashion World that suit my shape are Joanna Hope and Closet.  This provoked me to have a browse and sure enough I found several that I liked. I ordered them and when they arrived I was delighted with them. There is light at the end of the tunnel – hallelujah! Thank you for this fabulous company.

They are a mixture of dressy and casual and are fabulous. They were a pick me up and made me happy about myself again. My best dresses tend to be A line and I have accepted, that although this shape is not top of the fashion charts at the moment, they suit me and can make me look OK. The message is find a style that suits and stick to it. It’s no point squeezing myself into a body con dress just because I want one if it’s going to accentuate my middle! My pet hate is ill fitting clothes.

There are other fashion brands that I can always turn to such as Wallis and the wonder that is Pepperberry, by Bravissimo for ladies with big boobs. Their clothes are worthy of a blog post of their own.

Now I have decided on my personal style that doesn’t mean I am going to give up the quest for weight loss. I have a new strategy, after much soul searching I realised that I was probably consuming more wine and beer that I cared to admit. If I put my hand on my heart I was not counting these empty calories in my diets. I was probably consuming the equivalent of a day and a half’s extra calories per week. This is one of the pleasures and vices of my retirement. Lots of lunches with friends plus lazy evenings in front of the TV without the worry of an early start for work.

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So I am abstaining from alcohol for the next 4 weeks before my holiday and following a slimming world diet. Watch this space and see if there is anything to report on this front. Onwards and Upwards.

Have you got any tips for weight loss in the menopause?
Or is there a go to fashion style you favour for your body shape?

I’d be interested to hear from you

 

 

Surviving a House Move – Tips for survival and sanity

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I started this blog at the end of last year and was enjoying the process. As well as starting to blog I was in the process of arranging and preparing for a house move.

If you have read my bio and earlier posts you will know that I took retirement from the NHS last July at the age of 55. I wanted to enjoy life rather than continue in the throws of tiredness and lack of sleep that my career was turning my life into. I took flexible retirement, where I collected my pension and could return on reduced hours. I now continue in my role on a 12 month contract of much reduced hours of 60 from 150. This provides me with a much improved and joyful work/life balance.

As well as the decision to retire my husband and I (hope I don’t sound like the Queen there with that phrase!), also decided to move house. We had lived in the same house for 30 years, since we got married.

We approached the move with much trepidation – 2 of the main questions we asked ourselves were:

  1. Where to move to?
  2. What if we didn’t like our new home.

This was a huge decision for us after so many years of happiness in our previous home. I won’t dwell on why we decided to move, however in a  nutshell the area was declining rapidly and we felt that house prices would soon plummet because of this, and secondly and more importantly  I could invest some of my pension pot into bricks and mortar, rather than it stagnating in the bank.

Once we made the decision to put the house on the market and an Agent had been selected to act on our behalf we then started to look seriously at properties we liked. I have to say I had become an almost obsessive browser of http://www.rightmove.co.uk since December 2014.

The act of selling is not without it’s trauma – we immediately had viewings and in fact had 16 in total before we agreed a sale at a much reduced price, we had lost a sale at a slightly more increased price somewhere along the way due to confusion between ourselves and our agent – allegedly!

Having people view your much loved property is an experience in itself. 3 generations of a family would regularly come and browse, politely express interest, ask if we could sell privately without the use of agents and then disappear into the sunset. One viewer thrust her young baby into her husbands arms, demanded that he stand outside in the front garden then charged through the house. As she was leaving she then admitted she wasn’t selling her home at present she just wanted to see what houses in this area looked like! Blooming cheek…..

In the meantime whilst starting our serious search, we had looked at a couple of new builds. One was the last on available on an established estate and had been sold the day before we made an enquiry. We then looked at a new build on a development on the early stages of development . We loved the show home and wanted to commit to buy a plot. We were informed by the representative that she didn’t know when any more of the show home models would be built, how much they would be and we were asked to purchase a house that didn’t have a show home anywhere in the area. We left to consider our options, feeling very demoralised and frustrated – we naiively thought that buying a new build would be easy. When discussing this with family – my nephew, who himself has previously owned a new build said we may have had a lucky escape and he would never buy a new build again. Well his words have stayed with me as he was so correct. Since we looked in May very few houses have in fact been built on the development and it looks a forgotten site. So glad we didn’t get what we thought we wanted at the time. I am a great believer in Fate and this reinforces my beliefs.

Following this unsuccessful viewing my husband tried to cheer me up and said “come on we’ll have a drive round and see what we can see”, rather than using the website. He drove around the areas I had been thinking of but nothing inspired us enough. He then drove to a different area, still close by and drove through an estate that is around 20 years old that we remembered being built and really liked at that time. I hadn’t considered this. It’s a little off the beaten track, away from Manchester Metrolink routes and only one daytime direct bus route. However, it was love at first sight. It was the isolation that we fell for – horses in fields and farmland surrounding the Estate. Bliss – just what we wanted.

So this answered our first question – Where to move to?

Whilst our sale was progressing I ‘stalked the estate’ I knew every property that was for sale – many sold very quickly. We had decided to purchase a detached property – our first. There was one house we really liked and I had my heart set on it – but one evening logging onto my saved properties on the aforesaid web site I saw the dreaded ‘Sold Subject To Contract’ message on the property listing. I was crushed yet again, there were another couple of detached houses in our price range for sale but not as nice as this, the garden aspect was a big want for us. We had lived with a sunny house and garden all these years and did not want to sacrifice this.

However, fate played it’s hand again and the next day a new detached property came onto the market, and all things considered it was probably better than the one I originally set my heart on, in the fact that the garden was much better and had a south facing aspect.

In a nutshell we successfully made an offer and bought this property. More about this later.

As for advice about anyone moving my tips for a smoother, preparation and reducing stress are:

  1. Be organised – I had a project book in which I documented conversations with everyone I spoke to by telephone regarding services etc. I documented names, dates and times of conversations. These were useful when things that were promised weren’t delivered. And I did have to refer to these notes on more than one occasion!
  2. All contact with solicitors and Estate Agents were via email or telephone conversations were confirmed with an email and filed in folders in my Email. Despite keeping records we did encounter communication problems with our chosen agent.
  3. Plan ahead – make contact with service providers well in advance e.g Sky. BT, Utilities.
  4. Use the internet – my best friend, to research how to do things, there is a wealth of information out there which I successfully utilised
  5. From my internet research I found a very useful tip regarding packing. I allocated each room in the new house a colour. Boxes were labelled with tags of that colour and were also numbered. On removal day I blu tacked a corresponding tag on room doors and my fabulous removal men duly obliged and set boxes down in correct rooms.
  6. As I packed each numbered box I listed its contents on a template I had made on my PC. This was invaluable at the other end when trying to find things! Especially when we decided to nip out for a pub lunch on our second day in the house and my husband asked the question “do you know where my tan leather shoes are?” I could duly oblige and locate them in a  jiffy
  7.  I used the impending move as an ideal time to renegotiate my Sky, phone and internet contracts. I was able to get discounts on all 3. I used the argument that as I was moving it was a good time to maybe change my provider. It worked with all 3!
  8. There is a lot of negative press around Solicitors but I have to say ours was exceptional. Kept us updated with any new information, always available to answer any queries and didn’t provide us with a hefty bill.
  9. You hear people say that you must pester your agent and solicitor all the time to keep the process moving. Having now had the experience of a house move – I echo these sentiments entirely. My best friend was my smart phone so that I could fire off emails to all concerned whilst I was out and about and on the go. I did try to keep some humour in my messages so as not to alienate anyone. However, I do think my agents must have dreaded logging in each morning to see what my latest daily email contained. It was necessary though as my buyer was very slow at moving the purchase along, despite paying lip service that he was very keen and wanted to move in as soon  possible, he kept raising issues that slowed the process down. Gentle pressure on my agent was vital – I don’t think we would have completed yet if I hadn’t. So the message I’m sending to you is – Be Persistent, Firm, and Humorous!
  10. Our move was arranged for 4th December – not the run up to Christmas I’d imagined in July when I finished full time work, I envisioned baking foodie presents and cakes for friends, all presents and cards wrapped early – not having everything boxed up before and after the move. I’m posting a photo of my Christmas prep!20151201_093834
  11. My kitchen was only just fully functional the week before Christmas due to storage issues! I had hoped to have completed the move by the end of October.  Ah well there’s always next year.
  12. On the day of the move as well as the colour coding of my boxes I kept a few vital supplies with me. I would recommend doing the same. I had a bag of supplies I needed which I will break down and then I kept certain items in the car, so they didn’t get thrown into the back of the removal van.
  13. Contents in my bag for the day, not including my handbag, were:
    • Kettle
    • Milk
    • Tea, coffee, sugar and cordial
    • Mugs for us and removal men.
    • Biscuits – one friend advised me to provide good quality biscuits – always go down well with the removal boys!
    • Passports and walletts
    • Black bin liners
    • All purpose polish and dusters and washing up liquid.
    • Soap
    • Loo roll
    • Hand sanitiser
    • Hand and tea towels
    • Blu tack
    • Room planner, coloured post it notes, sharpie pen
    • Paracetamol
    • Pen, Project book
    • Laptop with charger
    • Mobile phone charger
  14. Objects in the car:
    • My dog’s ashes! (strange I know) I plan to bury them in my new garden. These were precious to me and I did not want them lost or damaged.You’ll see from an earlier post that I had only recently had to have him put to sleep.
    • Our duvet and pillows – this would keep them clean and ready to be put straight back on the bed – the day is extremely tiring and you want  a minimum of fuss once in.
    • I also packed a small travel bag with items necessary for an overnight stay in a hotel – clean underwear, nightwear, change of clothing for both of us and toiletries. Again so that there was no rooting around in boxes, no matter how well labelled they are, to be able to get to bed and start again the next day. Also if the dreaded worse happens and you hit a snag on the day that stops you moving in to your new property – and Yes! unfortunately that can happen, at least if you have to find a hotel or beg a bed at a friend or relative, you have what you need immediately to hand.

Needless to say the move went well, our removal company and the men who came were very helpful, they even helped me reconnect my Sky TV box! We did have a blip and a delay when the funds for our purchase seemed to get lost within the electronic banking system did not arrive at our vendors for solicitors for a couple of hours. This was  a nervy time – my Removal men sat in the van outside our new property and were given cups of tea by one of our lovely new neighbours and my husband and myself were sat in a pub close to the vendors Estate agent awaiting the go ahead. A very long hour and a half! I have to admit I was close to meltdown, but it all happened eventually and our move was complete. We moved our belongings in and then took a 5 minute walk to our local for a meal and a couple of glasses of much needed beer and wine. We were exhausted. The pub landlord sold us a couple of bottles of beer to take out and even provided a bottle opener as we weren’t sure where ours was! We encountered so much friendly assistance in various ways that day and are so thankful for it.

To answer our initial second question -What if we didn’t like our new home?

Not a problem we absolutely love it! and manged to get it the lounge and bedroom fully set up and cosy for Christmas. I had booked measurement for blinds prior to our move – I cannot reiterate enough that preparation in advance is so important. This reduced delays and allowed the settling in period to be reduced to a minimum.
image My husband – King of his new Castle

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image Festive finishing touches – presents under the tree

I didn’t know I could love a house and it’s surroundings so much. So, after all the hard work and occasional pain – we are in and gradually getting fully settled. I will write again about storage and organisation methods that I have used in a future post.

I welcome any comments or stories you have about your experiences of selling, buying and moving house.

Feel free to contact me by email ellieblue1223@gmail.com