gaps

Someone makes a product called No More Gaps. Problem is it only covers holes in the plaster, not the gaps in one’s life. Like the gap between a person’s income and their capacity to spend it, or to overcommit to big things, like second mortgages and new cars.

There are gaps is my thinking no gap-filler can paper over. I’ve not been thinking straight because time and stress have got the better of me. At least I’m aware that I need a more positive thinking pattern.

Is there a gap in my finances? I think there might be, but only time will tell. My good woman and I will visit our bank lender in three days. The appointment is scheduled half an hour after settlement of our house in Carnegie on the auspicious date of the twelfth of the twelfth of the twelfth. Annette—nice to be on first name terms with your lender—will give us final figures on the big loan.

The gap income and outgoings, between how I live—disposable income—and how I will have to live—committed income—will narrow considerably. A TTR pension must keep the gap comfortable enough.

TTR—transition to retirement—is the pension you take to breach the gap between being employed less as you age and not being employed at all. It’s central to my next four years. The amount I choose to take each fortnight is the final piece of the financial jigsaw.

At the start of the year I had a gap in my employment. Maybe it will repeat itself. As things are I don’t feel like continuing in my current job. Over the next few weeks I will think hard about work and my job at MM. I need to bring a positive frame of mind to it that I can’t find right now.

The least problematic gaps are in the walls of my little house in Croydon. When I come back from the holiday I’m taking next week I will at least eliminate them.

Rock on.