Hard to believe it’s been almost a year since hubby put corporate life behind him. This time last year, he was making his “farewell tour” and we were trying to figure out if we could make it work financially if I joined him when my teaching contract ended in May. We decided to go for it and make any necessary adjustments as we went along. Many adjustments yes, but ZERO regrets.

Some financial pundits said 2022 was definitely not a year to retire. Perhaps not, but when is it ever the “ideal” time to retire? It was the right decision for us. Watching the stock market gyrations over the past year has been hard. And now we have the banking collapse unfolding before our very eyes…it’s always something. What do you do? We keep the faith, review our budget and tune out the noise as best we can. Read that last sentence again if you need to.

No one could have predicted the high inflation we’ve experienced or the continued supply chain and labor woes. Groceries, home maintenance and car repair costs are WAY up. Our whole house painting cost 40% more than quotes obtained pre-COVID. I’m sure we were charged a premium to replace the gas valve in our upstairs HVAC unit, but this company actually had the part when others didn’t. My SUV required expensive repairs this past year. Normally, we would fix a car and trade it once repairs reached this amount. Not this time. Hanging on to it for at least another year. We’ll rent a car if we need to travel any lengthy distances.

Health insurance/medical is our largest monthly expense. We are paying unsubsidized (COBRA) insurance rates until my pension begins. (Interesting fact: in GA, if you have 8 years of service credit working for the state and you leave employment, you can keep SHBP coverage for as long as you’re willing to pay for it – even after COBRA continuation coverage is ends.) Many teachers use this to fill in the insurance gap between their last day of employment and when their pension begins. If you don’t keep this insurance in place, it does not follow you into retirement. Insurance rates drop to active employee/retiree rates once pension checks begin. I’d still be working if this unsubsidized coverage option wasn’t available to us. Healthcare Exchange Plans were not an option for us as MD Anderson – where hubs goes for treatment – does not accept any of those plans. FWIW – quoted rates for us on Healthcare.gov rival COBRA rates, but with significantly higher out-of-pocket expenses.

Random observation: Does it seem to you that the medical, dental and pharmaceutical professions are now trying to make up for revenue lost during COVID? Have you noticed the uptick in medical & pharmacy related ads? Are your dentists and doctors trying to upsell services or call you back for more screenings/tests than usual? Our dentist retired and sold the practice. First visit with the new dentist was routine. At the second visit, we were both told we need Invisalign for our bottom teeth. I have a chipped front tooth that needs repair and the dentist stated he will not do the work until after I complete Invisalign treatment. Guess I’ll be finding a new dentist. In December, I was called back for additional imaging and an ultrasound after an abnormal mammogram. Self-pay rate: less than $500.00. Negotiated rate: $1,136.00. (Plus my monthly insurance premium) Very thankful it turned out to be a benign cyst but the price differential leaves me wondering, “Now why do I have insurance? ”

What about returning to work? I’m actually open to working part-time 2-3 days per week. Anything more than this would impact my volunteer and quilting activities. A former colleague suggested I look at a part-time reading teacher opportunity in a neighboring school district. I did and reached out to a friend who works there. It sounds like a great opportunity to learn, help kids read and be part of a new initiative. The downside is the hours appear to be spread M-F. To me, this is equivalent to a FT job commitment, but with part-time salary. Not exactly what I’m seeking.

Another former colleague offered a more intriguing proposition: Offer CraftLAB after school one afternoon per week at her school. 10-12 sessions per semester, lasting about 50 minutes each. Everything is run through the PTA. Kids are required to go to ASP if parents don’t pick up at the end of class. PTA gets a percentage of the class fees as “space rental” – usually no more than 10-20%. This definitely grabbed my attention and is something I thought I would be able to do when I started my biz several years ago.

Stay tuned.

OSQE is the Original Sewing & Quilting Expo. Shows are held in various cities around the lower 48 states from March through October every year. Some variation of the March show has been an Atlanta staple since the mid-1990s. COVID literally shut the OSQE down mid-show in 2020 when everything went into lockdown mode that Friday. A lite version of the show returned last year. This year was definitely back to normal. Lots of vendors and lots of people SHOPPING!

Classes are offered at the Expo. It’s been a while since I’ve taken any classes offered through them. As a beginning sewist, I found the classes helpful. Not so much as my skills progressed. Instead of class, it felt as if I’d paid to sit through a sales presentation because the teacher was promoting her products so heavily during class time.

For once, I actually got to attend on opening day. Thanks retirement! I met up with some crafty friends at the Expo. It was a nice way to spend the day. I ran into a former library colleague who served as an advisor when I went though the national board certified teacher process in 2006 – 2007. She retired many years ago, but now volunteers as a regional coordinator with Sew Powerful. She was in their booth at the Expo. I learned about the program and will see if it’s something I can incorporate as a service learning project for my more advanced sewing students.

Besides meeting up with my friends, I also went to the Expo to learn more about the Easy Piecing Grid from Ten Sisters Handicraft. Two reasons: (1) I found 2 grid panels and a project sheet in my stash (retreat swag) and (2) I registered for a class taught by Carmen Geddes at Mountain QuiltFest on this very same topic. Ms. Geddes was actually in a booth showcasing the Easy Piecing Grid products and answering questions. She confirmed that a 1/4″ foot is necessary – preferably a foot without the guide. It does not matter if the foot is clear like a Little Foot or all metal. I inquired about this because I’d read conflicting information in handouts for various classes featuring the Easy Piecing Grid. This also narrows down which machine I need to take with me to Mountain QuiltFest.

I thoroughly enjoyed seeing the displays, window shopping, product demos and listening to various lectures in the presentation areas. Despite the excellent shopportunity, I purchased very little at the Expo. I spent less than $20 on a couple of hard-to-find small notions I needed (and finished off the balance of a VISA gift card in the process).

There were quilt shows in Charlotte, Pensacola and Ft. Walton Beach this past weekend. I wasn’t able to to make it to one of those, but I did attend a quilt show sponsored by the Cotton Patch Quilt Guild. The show was located just outside of Athens, Georgia. Traffic was a beast going both ways. I probably spent more time commuting than I did attending the show. Anyhow, it was a fun way to spend a Saturday afternoon.

Besides pretty quilts, there was an also small vendor area. I met reps from Project Linus and QOV, plus checked out booths from NE GA quilt shops I’ve yet to visit. Yes, I indulged in a little retail therapy. While shopping, I met two teachers who are in the same position I was last year – figuring out if early retirement is doable. I shared that my quilting skills had definitely improved since retiring last May.

Both ladies echoed my mother’s sentiments that I should renew my about-to-expire teaching certificate for one more 5 year term. If not, then at least convert it to a retired educator certificate. This will give me options should I need them in the future. Psst: I applied for renewal. Certification rules keep changing, but it looks as if I have enough PD hours for automatic renewal. The process is a little different since I’m not employed by a local school district. We’ll see what the state certification office says.