Ok, a bit of scene setting here first of all:
Imagine, if you will a bit of vaseline blobbed round the outside of your pc screen to make it all dreamy and soft focus.
Sprinkle some virtual geranium essential oil (it’s my favourite because it reminds me of turkish delight and a mix of geranium, lavender and clary sage was what I had burning when I gave birth to Scarlett – lavendar reminds me of Davies as I had weekly full body massages throughout my pregnancy with him by a wonderful woman who always used lavender oil) about the place and inhale and exhale deeply several times.
And then, on your imaginary internal ipod, or gramaphone if that’s more your thing, or indeed if you have the music available to play for real strike up Abba’s I had a dream.
I would recommend reading this whilst immersed in a bubble bath in one of those immense claw footed free standing baths but I am married to a Health and Safety qualified person and the idea of anyone with a computer balanced near water fills me with fear ;).
If someone had asked me ten years ago what I’d do with a lottery win I already had my wish list ready complete with pricing! It was all about ‘stuff’ and ‘experiences’. I wanted a kingfisher blue convertible BMW – infact I was desperate for a BMW before I hit 30, it was one of my biggest life ambitions. What actually happened by the time I was 30 was that my boss at the time looked into getting me a company car of a BMW and then offered me that or a payrise – and I took the payrise (lovely, lovely boss 🙂 ) so Ady and the kids chose me a BMW dinky toy which I still have in it’s plastic display box and presented that to me on the day, along with my first laptop, which actually given my dream car wouldn’t have fitted the two child car seats, the pushchair in the boot or been very sensible during the rainy Manchester climate in January with a soft top was probably a far better plan. I guess somewhere between 25 and 30 I’d grown up enough to put that plan on the back burner. 😉
Also on my list were properties in exotic places. I liked the idea of always keeping the house we live in now – it was our first house, bought on a scraped together mortgage with (another lovely) our boss at the time writing to the mortgage company to say we both earnt loads more each month than we really did and us having to work every Sunday, back when Sundays were paid at double time, in order to make the monthly payments. The deposit was all our wages for the month paid into our bank account and then we lived on toast for the rest of the month. Our early furniture was beanbags and in many ways this house hasn’t much moved on from that. And I like that really, it keeps me grounded and still thankful for the carpet, which is now 12 years old and rather tatty but when it was first laid after 6 months of cold drafty floorboards was one of the biggest luxuries out. But my property list included an appartment in New York, somewhere close to Central Park; a flat in London somewhere close to good shops and restaurants; a villa in Italy, somewhere not too far from Rome but coastal; a farm in North Wales; a log cabin in a snowy part of Canada, a castle in remote Scottish Isles… you get the picture. Postcard dwellings in steretypical places giving me experiences of peace and calm, buzz and nightlife, grand role playing, soundbites of culture and snippets of the travel programmes I’ve watched over the years that always make me feel very unfulfilled and ready to jack in everything and head off with a spotted hanky tied to a stick containing a hunk of bread and a lump of cheese, to find my fortune and see the world, Dick Whittington style. 😆
I had a list of mates who had been good mates and deserved a break who I would dole out cash to or give gifts to, to help change their lives in big or small ways, I had plans for a big party, lasting about a week, which I would throw to celebrate with everyone my changed fortunes.
But (da da dahhhhh!) a couple of weeks ago I was sitting chatting to someone about what I’d do if our premium bonds came up (we don’t do the lottery anymore, there’s no room in our budget for gambling 😉 ) and along with answering Davies’ questions as he was also present for the conversation I came up with something which probably surprised no one more than me as I sort of made it up as I went along, realising as I spoke that I really was describing a dream.
I’d love to have space – plenty of living space and plenty of outdoor space. I’d like living space to accomodate frequent guests and visitors and for the four of us to have our own spaces to do what we want with without encroaching on each other and needing to be mindful of how we keep them as they are shared spaces. I’d like outdoor space for cool stuff like swings and slides and treehouses, but also for animals, plants and nature. Space for loads more chickens to free range about the place, space to keep a cow or two, some pigs, maybe a pony if the children were interested in that. I’d love to have space for cats to have kittens outside, just coming into the house when they wanted a warm lap for a while. I’d like to grow fruit and vegetables. I’d love to have water – a stream, a river for paddling, maybe catching fish, observing life there.
I’d like to be as self sufficient as I could, to harness energy from wind, sun, water even, to heat the house from burning wood and to heat water and cook food that way too.
I’d like to learn from that sort of life and give something back too. I love the idea of learning crafts and trades such as strawbale house building, animal keeping, making things with natures resources, being creative and artistic without leaving so much of a footprint. I’d like to go back to one car only between us, only to be used when we really needed it, buying locally what we have to buy, making what we can.
I would love to be part of a small community – to get from the others and to give back in return – produce, skills, experience.
Thinking even bigger I’d love to be able to provide a learning centre for others so that they could come and experience that way of life and learn, offering their time or labour in return. I’d like to be able to offer friends the chance to come and stay for extended periods and live and learn alongside us.
But of course realistically that is all a dream which would take a hell of a lot of money to achieve.
However…. maybe we’ve been reading too much Milly Molly Mandy, watching too much River Cottage and spending too much time with our chickens but Ady and I have both been coming to the same slow conclusion that we are ready for something else, something different, something new and exciting. Ady never had passion for career building, it’s just sort of found him and while the job he does serves us pretty well in our current life he doesn’t get any intrinic value or personal fulfilment from it. I have come to realise that the ambitions I have for myself are not bound up in a career in the traditional sense of the word and have no desire to chase salaries or job titles anymore. The worry of our finances pushing us into a situation not of our choosing has past, things are stable and we could simply stay here, carry on working and paying off the debts slowly each month for the next 25 years. But that would be all we did for the rest of our lives, that would be our lives. And to us that’s a fairly grim prospect, it makes us feel trapped and tied and claustrophobic.
We are very aware that we don’t particularly want Davies and Scarlett growing up in this particular community and location and the differences between the lifestyle we would like, the small elements of it we are trying to introduce and our ideas are starting to grate badly with the reality.
So, what’s our plan? Well we’d like to live somewhere where we have that additional space, somewhere as self sufficient as possible, somewhere with potential to be creative and learn new skills and maybe turn them into money making oppportunities. We’d like to earn enough money to cover our bills and basic living expenses but work less hours and either get fulfilment from the work we do or have perks to the job – an example of this is all the benefits of my library job with it’s free music and film and access to huge levels of resources to complement our home education needs. There are many expenses about our life now which would be cut if we were to live that sort of lifestyle so a drop in salary, particularly if it came with financial renumeration alternatives would be feasible.
We would be able to sell our house, clear our debts and mortgage and walk away with a sizeable sum of money to invest. Presumably once we were debt free we would be in a position to obtain a mortgage again having not been bankrupt or defaulted on secured finance. And of course money lent secured on property is always more obtainable. We would be utterly prepared to ‘rough it’ for a year or more, buying somewhere run down and even a plot of land to self build and living in a caravan on site or similar. We are prepared to make short term sacrifices for long term goals. We have spoken about this idea at length, and with the children, both of who are very enthusiastic about the idea of keeping animals, having space, being able to have friends to stay more often etc. They are fairly adventurous children (well I guess they would be really 😉 ) and would probably thrive on the whole experience – stability and constants have not played a big part of their lives so far other than me and Ady always being around so I’ve no doubt they adapt quickly to further changes, particularly if they can see the benefits to the changes.
So we have an action plan – to find out what the financial situation would be exactly – what sort of settlement numbers we could expect from our creditors, whether we would be able to get credit again – how it would work with our current mortgage (it might just be the case that we can sell this house and buy something of equivalent value without quibble), what sort of money we would need to earn and ways in which we could do that between us, whether self build or renovation is preferable and of course geographically where – it needs to be cheap, cheaper than here certainly. It needs to have that community I talked about, some level of access to both Home Ed and general children’s activities (beavers, sports, leisure etc.) and be somewhere it is feasible for our living expenses to drop.
We’ve lived the more frugal lifestyle for two years come October and we always planned to give it first one year, then two and see how we felt about that change. It has been in many ways far easier than we expected, which is possibly what has driven us to consider further frugality. But in other ways we have struggled with that feeling of now being in a very long corridor, walking very slowly with no doors to escape from on either side. Life is too short to feel like you are treading water and biding time, particularly when it is not for any real purpose. I think we are about to hit an emergency stop button and see where we could get off and try a different pathway.