There’s a hot tub in my garden…

Saturday 23 April 20222

Golly gosh; can my two girls shop!

As the Easter holidays draw to a close, I hardly recognise my own home! Cheered on, at times propelled on, by my daughterly duo of retail fanatics, not only does my conservatory proudly boast a new furniture but the weathered and worn plastic garden chairs have also been binned in favour of ‘zero-gravity‘ recliners. Have I taken leave of my senses? Well I just might have done exactly that, because the shopping frenzy all began….with a hot tub!!

Oh the hot tub! A fanciful notion floated several weeks ago, after some bargain deals bounced into the inbox. The only part the teens really play in this transaction, as my ‘older generation‘ head wavers and wobbles over such a luxurious item, is to confidently waive aside my worries and doubts and merrily shove me across the financial finishing line… and into the blissful outdoor spa!

However, scarcely has the froth subsided on our first dip in the bubbles, when purchase number 2 is in the boot of the car. I innocently agree to potter into town with my Eldest, to return a package to Next and pop into Boots for a new moisturiser when, lo and behold, my girl steers me into a store promising ‘unbeatable bargains‘ on garden furniture and I find myself trundling to the till with four new ‘zero-gravity‘ recliners with accompanying drinks table!

Mum, you have been looking for new outdoor furniture for years!”,

she smiles reassuringly, as I appear a little flustered. This is utterly true, but I had anticipated at least another half decade of looking and wondering and weighing-up before I actually made any daring dash to the cash-till. In addition, I am not at all sure what ‘zero’gravity‘ chairs even are! But, as we try them all out upon our return home, they are very comfortable. And, as my daughter points out, together with the hot tub really ‘freshen up the garden experience!

I know what you’re thinking, by now I had surely learned my lesson! But no, as Prom-dress daughter arrives home to swell the youthful and carefree ranks of the household, I am persuaded to head out to Ikea to replace a few broken glasses, replenish my dwindling supply of cereal bowls and try out the new plant balls’. Five minutes! We are there for only five minutes, before we are are snuggling on a new sofa and admiring the display of accompanying rug and table!

This is so comfy! Gorgeous!

You’ve been looking for ages, Mum”

“Don’t you just love it!”

“The poor conservatory has been completely bare for 18 months now!”

They do actually allow me to stop and consider this one, over (delicious) plant balls, mash and gravy. Possibly, I am distracted by the delights of my redcurrant jelly but equally the fact that they are correct and that my lovely, sunny, garden room has been an empty shell for a year and half does also register and I decide to go for it, rug, coffee table and all!

At the warehouse, things are slightly complicated as we discover that, despite endless permutations of collapsed seats and car-boot boxes and much hilarity as the three of us career around the carpark with the weighty beast, the sofa is never going to be squashed into my car. In now rueful resignation, I wave my credit card at the cashier and fork out for home delivery!

So here I am. But here’s the thing; the purchases have all be fantastic. We live in the conservatory now and wonder what we ever did before. The new garden equipment has been super-fun, long overdue and made the Easter holidays seem pretty idyllic. I’d go as far as to say that it has made me fall in love with my own home again.

Thus, as the clash of youthful exuberance and a dash of ‘carpe diem’ with my single-mum (crippling) caution has a clear victor on this occasion, I’ll admit that I am glad to have been defeated. Left to my own devices I would doubtless have a few more £100s in the bank, awaiting the proverbial ‘rainy day’, but the conservatory would still be an empty room and the tired old plastic chairs would have tempted no-one to sit in the garden this holiday. Why not ‘seize the day’ and enjoy a few sunny days right now. A trip to IKEA isn’t ever going to break the bank so when those rainy days do arrive, I’ll still be ready!

Nonetheless, the bank manager and I do heave a little sigh of relief as my two shopaholic students set off back to uni-land ….

Is it time for a 5 year plan?

21 February 2021

It’s a funny old half term and it all start with this Monday morning call.

Am I speaking to the one and only Becky ….”

Yes, one very confident, chirpy cold caller! And life insurance broking is his game. Whilst I choose not to invest in any of the deals, he does make me stop and think about the insurance I do have. I root out my policy to find that it covers me for a bizarre number of years, with a seemingly random sum of money. It is clearly no longer fit for purpose and needlessly pricey. As I start to research alternatives however, I hit a brick wall of indecision…because making a wise choice depends on where I see myself and the teens in the next 5 or 10 or 15 years . And I just do not know. A lot can change in 5 years…

Here I am 5 years ago. It’s my birthday 2016. I am coupled up, dressed up and out for the evening!

Fast forward 5 short years to my recent 2021 Birthday and here I am, single, sitting in my lounge and Locked Down with a take-out curry!

Who could have known quite how different life would be? And the next quinquennial, promises to be no less dramatic in terms of change. No more teens, no more mortage, no need to work as many hours, no need to live in this corner of the North-west. It is difficult to know how to even start thinking about it all.

It has been a year when I have grown accustomed to living; day to day, tier to tier, Bojo press conference to inevitable U-turn! But if I thought I could run away and hide behind the covid curtains for a bit longer, I was mistaken. Half term also brings necessary negotiations with tree surgeons and roofers. Thinking through some fairly substantial financial decisions keeps bringing me resolutely back to the same daunting, dithering ground. Because, ‘How much to pay?‘ and ‘How much to do?‘ are all balanced by looking ahead to how much longer I expect to be here.

There is certainly a lot of advice out there for those of us facing the prospect of ’empty nesting’. Indeed the Citizens Advice reports finding “a huge demand – nearly half its enquiries” – from the 50-plus age group, for whom the main issues were pensions, mortgages, wills and life insurance. I have to be honest though, at the heart of my unease is the fact that I’d never expected to be facing these choices and ‘resetting the life plan’ as a single person. Without a partner to bounce ideas off and help me to frame a way of thinking about it all, I’ll confess to feeling absolutely terrified. So I start smaller. Next week I have an appointment with a, Independent Financial Adviser to talk… about me. Not stereo-types, not ‘typical case studies’ for my age group, just me. And I feel calmer. It was clearly time to stop avoiding the issue, I am a long way from a plan at the moment, but getting some facts hearing some options, doing my homework…none of that can hurt…