Deferring my adult gap year

Mr S and I were to have our Adult Gap Year in 2021.

A year to

  • Potter
  • Daydream
  • Travel the east coast
  • Do some language study
  • Spend three months in the UK
  • Have a cup of tea and listen the morning peak hour and be happy we didn’t have to join it

Mr S wanted to postpone for two years, which is the maximum we could apply for.

We only get one chance to apply for postponement. So if this COVID stuff doesn’t resolve next year, we’ll probably be doing all of the above, except the three months in the UK in 2022.

I’m ready to just jump from work. I’m over it. Truely, it’s the money that keeps me going every day. I’m sick of the bureaucratic and politicians’ bullshit and the complaining parents. Not the kids. Love them.

I suppose Adult Gap Year might not be the right term for Mr S. He turns 60 next year. Lots of his friends with whom he started teaching, and who are slightly older, are retiring now. He is eligible to access his super next year. But he has to retire to do so.

He also has enough Long Service Leave to take more than a year off on full pay! So he’ll work on full pay next year; take 2022 off as the Deferred Salary year and if he can’t face work again, he can take LSL in 2023 and the first bit of 2024, before he retires at 63, and then access his super. (He’s in a different, and much better, super scheme than I am. He got into the one that made working for the public service an enticement. It ended decades ago. I think if I’d stayed in the public system, and not worked in the non-gov for a bit, I might have accessed it. Not worth looking into and kicking myself. I also don’t have as much LSL leave as Mr S thanks to my time in the non-gov system and that I have taken some to care for our kids.)

Mr S reckons he can work until he is 67, which is when the government wants people to at least work to, before they can access the age pension – not that we’ll be eligible for it.

Me still working at 67? No way. I even hope I’m not working full time when Mr S turns 67.

For now, I’ll gird my loins, which I think is the manly or biblical way of saying pull on your big girl pants, and face next year doing the same shit.

21 thoughts on “Deferring my adult gap year

  1. I am so with you on the being “over it”! I turn 65 next month, DH turned 70 this month, and receives a part pension, because I still work full-time. The money is the only thing that keeps me working too, as without it right now, we wouldn’t survive. When Covid hit, my boss (private sector) complained about his losses and when I jokingly said we are all in this together, he offered to swap his losses for mine. He obviously had more to lose, as he had more to start with! Mind you, he gets Jobkeeper payments each month which almost equal my annual salary.
    Good luck with everything, and I hope it all works out for you. Julie

    • Thanks, Julie. A friend said, about work, the first 30 years flew by, the last 10 dragged. I’m in the last 10, and it is dragging.

      Your boss’s comments sound like people who whinge about paying a lot of tax. “You earn a lot more and you’re left with a lot more than most people. Stop whinging!”

  2. Such a difficult time to be making long term decisions, as there are so many variables. There was a report on 7:30 that said that it is a particularly difficult time for those wanting to retire, which is what you are finding! I hope you are able to resolve things to suit what you both want to do.

    • Thanks, Anne. It is difficult to decide when to retire, more so in COVID times, but I am grateful that we have the choice. We can decide when and if we’ll retire, and we still have a year off waiting for us, with money to pay bills and to travel guaranteed to come to us. Not many people have that luxury.

  3. Yeah.
    I signed up for another year of (pat time) work next year.
    I still have things I want to get done around the house and with 2 adult kids still with me, I decided I still need income. Those guys are EXPENSIVE to feed and they run up the bills.
    Anyway, like you, I decided I may as well still work while I can’t travel.

    • I have two adult kids at home too. But the main thing is we haven’t paid off the mortgage and the house needs work. Hence the need to work. And to save for when we can travel.

  4. Does this mean I have to wait two years before I might get the chance to meet you (even though I suspect you might be too busy to meet up) – if so I am heartbroken – but I’ll get over it and look forward to your visit whenever you can make it. I am just getting into this retirement life almost two years since I left work!! Covid has a lot to answer for but has shown me what a simple life looks and feels like so not everything about it has been bad. I know that I do need some busyness in my life to stop me being too lethargic – life is all about balance isn’t it. Love the girding – hope your year of working next year does not feel too long.

    • Yes, two year’s wait. But I won’t be too busy. I want to spend at least a month based around Yorkshire.

      I have found it interesting reading how you’ve taken time to get into your stride with retirement. Gives me much to think about. And yes, COVID has helped me simplify my weekends without being lethargic.

      • There are places we have yet to discover in Yorkshire – if we find anywhere good I will keep you updated. If you like history and are here around September time then the Open Heritage weekends are worth attending when they open up historic places not usually open to the public. This is their website but the list of events / places open does not appear until August (and this year a lot are online because of the virus). We have been to old chapels see
        and inside private houses too. Each year different places open in each area. Hope to see you whenever you come.

      • Thank you for the links and for sharing ideas. You are so lucky to have so much to see and do. I know one month won’t be enough to see even a little bit in your beautiful and interesting part of the world. I’d really love to spend two years in England – watch the change of seasons, ramble around etc. But Mr S would never do it.

      • Of course the other area not to miss is Derbyshire – more gentle less rugged than parts of Yorkshire and full of cottages and small villages – the open gardens there are not to miss – complete with bunting and cream teas.

  5. Good that you could defer your leave, but know that changing your mindset (so happily fixed on that leave) is probably a lot harder to do. Definitely hear you about retirement. I did work until I was 67 and the last years were a slog for all the reasons you described (bureaucracy/politicians–and in my case whining co-workers who felt they weren’t sufficiently remunerated or given fancy enough titles). Don’t miss it. Wishing you the best of luck.

    • Blargh to bureaucrats who devise systems so they can say they’ve implemented improvements to get s promotion. Blargh to same for overly complicating systems. And again for those who get computer systems designed that are not designed for user, but then argue it is because the system is big (mmm so is google) or they were limited in time (so don’t bring in change until ready) etc etc. especially blargh to bureaucrats who are really protecting the pollie and appeasing the voter.

      I’m seeing quite a few title changes in my bureaucracy at moment. Chief officers galore. I’m sure they could come up with a flashier title.

  6. So sorry to read this, especially knowing how much you have planned and researched and looked forward to this. It feels like an endless span ahead of us with so much uncertainty. As for work – blergh!!! Except you will have so much to look back on with pride in the contribution you have made in keeping education on track in these times (and mental health and family life etc.)

  7. I did a massive career change eleven years ago in my early 40s (I stepped away from the federal public service with the excellent superannuation, but because I worked there for 18 years so I sort of have the benefit once I retire) so I am quite happily working in a job I really enjoy mostly. And Reg changed jobs a few years ago as well, so neither of us have huge amounts of long service leave – well, I have like five weeks. Reg hasn’t been there long enough yet. Because I am five years older than Reg, I’m probably going to be working for a fair bit past 60 but the last three months have proven that I can definitely do a good chunk of that from home, and I will not be working full time in five years time.

    Our retirement plans involve a Winnebago and touring Australia. Assuming the borders ever open again.

  8. Gosh what made me think you had closed down your blog – I haven’t checked in here for ages, but I’m glad to see you’re blogging still/again. I know you’ve read my blog and I had always planned to go to 62 (I could have stayed and earned a fortune until 65) but in the end I snapped one day because of my god-awful commute and went at 60 – 18 months ago. Do I regret it? Never in a million years. It’s proven to me that I have enough money, even on a reduced pension, and that life is fickle (viz my brother dying unexpectedly 3 weeks after I retired). I know only you can make your decision but if there’s even the slightest chance you can make it I’d so go for it!

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