Saturday, May 28, 2016

Closing doors, opening new ones


There are a lot of changes on the horizon, with significant change ahead:

-We are moving to the city North of here, where I spend the bulk of my nonworking time, from restaurants, shopping, doctors etc. I am downsizing in the process: physically reducing my possessions (yay! not that we necessarily had a ton) along with my monthly living expenses. I have been planning this for some time, especially post divorce, choosing to live below my means, saving monthly, remaining out of debt, with the exception of some medical debt for which I have chosen to go on a no interest, monthly repayment plan with the hopsital, to keep my cash flow and savings  in check.

-Additionally, after 30 years, I am closing my classroom door. An incentive package was offered, and I am taking it. I will have time to reinvent myself, receiving 6 months additional salary along with a year of medical coverage at the lower, employee rate vs COBRA. I remain flexible: my paperwork with the state won't be filed until Feb 1.Meanhile . .

 I have time to start a new job, get training, if needed, coursework at one of the local community colleges or the state University in the city we are moving to. I have the option to choose to go back to my profession: either March 1, and continue working therby deferring my official retirement until later. Due to shortages in my discipline, even if retired, I am allowed to work 2 years AND collect retirement.  Frankly, at this point, if my door closes, I can't see returning. These past 2 years under new administration have taken their toll. I need to work, for insurance aloner mind staying active, earning some income. I am thinking  of trying the hospital, which is located close to the condo, and on the bus line, which would be a transportatiion option is snowy weather

-Financially? child support ends with the June payment. I have never counted on it, used it as a buffer. I will continue to have my same monthly salary until Mar 1, then it would drop approx 48% if I take retirement. I continue to turn over every rock, to see where changes/reductions can be made. I am also getting creative, seeking some additional revenue streams. This is do-able, I will need to continue to live purposefully. I am blessed to have a sizable savings account.

This is a positive situation, IMO. There are so many opportunities ahead for all of us:

-a better housing situation (not that our current one is horrible!) location wise, ameneties wise

-a much more culturally and economically diverse community to reside in-welcomed after living/working in affluenza

-city services including the bus line, which will be the chief transportation for one kidlet, and possibly special needs son; taxis are also an option. Having spent 26 years in a more rural suburb deep in the woods of CT, this is a significant

-an oppotunity for me to have TIME. I am seeking an entry level position so as to leave at the end of the day and not have hours of work ahead of me, ditto the weekends. I want time to enjoy the local parks, take in a concert, attend farmer's market, meet some new people/friends and
 to give back to the community through volunteer work. My old schedule has had me in constant survival mode, planning everything ahead, to ensure that the essentials were covered. I have been mentally, physically and emotionally exhausted. Once the decision was made to go with an offer, I felt the burden lift. This is the right move for me, at this time.

 We will all be better off for it. : )


cheryl soergel said...

That is a big change. You seem to be a very thorough planner and will do well. Cheryl

NAN said...

Good for you! My daughter is also planning some career changes and I started a brand new one after 31 years at home when I was in my 50's. Change can be good.

meme said...

WOW ! I am so happy for you! Your last paragraph on now having TIME hit home with me. I also work a demanding job - I operate my own licensed preschool/daycare out of my home - at least 50 hours per week with the children - then the curriculum/activities planning - keeping the preschool area and house extremely clean and organized according to state standards, and the tremendous amount of paperwork the state requires - it seems to be never ending. I also have to complete additional hours of training and coursework as an Early Head Start provider.

The main thing I am looking forward to when I retire is TIME - and knowing that I can leave a coffee mug in the sink without worrying about a surprise inspection!

Ms. Sandie said...

How exciting! So many positive changes.

janie said...

Best of luck Carol. Change can be good.

Enjoy, Janie

kelley said...

such wonderful news...time is highly underrated...

Marcia in rural WNY said...

I think you will love it! I retired early (59) and have not regretted it, despite it lowering my social security. The peace of mind has been worth it. My job was stressful and politcal at the same time, and I have not missed it for a moment. I envisioned volunteer work; instead I was able to spend a lot of time with my Mom before she passed at 95, have joined a gym and lost 30 lbs--not that I am at any goal yet, but it's a start. I have health problems and being stress free helps in that regard as well.

Too bad child support ends at 18--in New York it goes to 21. My only grand-daughter finished college with fewer student loans than most, although I believe she did more toward that goal than the child support did.

I know others who have left their main career and moved into less stressful jobs with great success. Your organizational skills would allow you to do many hospital jobs without problems. I started as a receptionist and worked up to medical records co-ordinator before leaving that field for more money after I finally finished my degree. Good luck in finding something that suits you over the next few months. I have noted your additional stress and lack of free time, and wondered when you had any time to be Carol and not just "Mom." 2

Belinda said...

Wow, such big changes in store for you and you sound the better for it. My Mom once held a job that she ended up working from home for long after she had left the office for the day and when she left that job, the burden that lifted was so great. Sounds like this is just what you need with the gift of time. I'm excited for you!

Theresa F said...

Congrats on the coming changes. Life sounds wide open for all of you. Exciting!

CT Bargain Mom said...

That's awesome you were able to get a flexible package.
You could even take a long term sub gig (like a maternity leave) or drop to a paraprofessional gig in a district closer to you....same great hours/Summer's off. There is also home bound tutoring.
Hospital gigs are also promising too.

Lili said...

Wishing you the very best going forward, Carol!

Kathy said...

Wow you have had a lot of things going on. Congratulations on your retirement! Glad that you will have more time and less stress. I do love your attit.ude

Lee Ann said...

Very happy for you. At 54 I find I don't want a lot of work responsibility either. I want to work and go home. I also don't want to work until 66.

Laura said...

Congratulations and best of luck!!