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Community guy
INTERVIEWER: Rocky you are relatively unknown, a southpaw fighter from the harsh streets of Philadelphia, scraping a living in the lower reaches of boxing. What makes you think you have a chance at toppling the champ?

ROCKY
:  Don't really know, got this chance, need to take it. Guess he's gonna be complacent and underestimate me I guess. Gotta go and run up some steps see ya!


Rocky was more than boxing, more of a life saga that is really a credit to Sylvester Stallone; uplifting, inspirational and down to earth at the same time. The films covered several social themes; poverty, family and community. Rocky wore his heart on his sleeve, never forgetting his roots. He was committed to the community he lived in.

In this post we are going to look at 10 ways our community, its resources and have helped us. A follow up post will cover ways in how we can contribute ourselves, especially in early retirement with all that free time!
"Well I'd like to get a couple of hats and maybe a statue for the church and some of those Muppets for the kid, you know, Kermit and Miss Piggy and a Snowcone machine for Paulie, you like Snowcones don't you?"-Rocky
Rocky is in a different class in the ring. THE.CONTENDER would be in big trouble. Nevertheless can THE.CONTENDER in Early Retirement engage with the community in the way that Rocky did?

Community Spirit

Since THE.CONTENDER has stopped working, the people and resources in our local community are more important than ever. THE.CONTENDER has met so many generous people who give up their valuable time to make local play groups, farmers markets and Sunday schools happen. Local government maintains the parks and libraries our little tribe enjoy on a day to day basis. Our Local resident group help improve our environment (such as new trees for the streets and organising events for the children in our local park). They petition for improvements to parking, access, parks and libraries. These are all massive resources that we are very grateful for.

Our area would be poorer culturally and the community would not be so vibrant if it were not for the efforts of these individuals.

New Friends

When THE.CONTENDER was working he had a long commute to and from work, had to rush to go home just in time to pick up the kids from childcare then get them to bed leaving little time for anything else. Our tribe hardly knew our neighbors and did not find the time to properly engage with most people around us beyond the polite hellos and goodbyes. Our evenings were primarily filled with watching films, reading books, exercising, internet then bed. At weekends we recovered and sometimes a play date with one of our eldest child's friends.We used our community resources only fleetingly at weekends such as a visit to the park and library.
Stay in school and use your brain. Be a doctor, be a lawyer, carry a leather briefcase. Forget about sports as a profession. Sports make ya grunt and smell. See, be a thinker, not a stinker. - Apollo Creed
 
With the birth of our second child Mrs C was able to take some maternity leave followed by THE.CONTENDER taking the reigns when Mrs C went back to work, with his paternity leave and now full time commitment to raising the kids. During this time we have both been very fortunate to meet new friends. Especially when we needed them most.

After starting to look after the children full time THE.CONTENDER has met many people in the community who have welcomed him with open arms. THE.CONTENDER would like to consider them all friends. They are from all walks of life, have very different backgrounds and challenges to overcome. They are very different to the people from working in a corporate environment where most people put on a very "professional" persona. Now THE.CONTENDER meets musicians, teachers, fashion forecasters, editors and publishers, carers, builders, retirees, professional doing an MBA....from what THE.CONTENDER sees they all care deeply about their community and so do we. 

Time to have a look at 10 areas of help and resources from our wonderful local community. Please read on:
10 Community HELP and resources!

  1. We are meeting really different and very friendly people to us; international backgrounds, different religions, different social or professional backgrounds, different political backgrounds, talented, ambitious, caring, elderly, rich or poor you name it they are all here in London. All of that knowledge, wisdom and different outlooks on life right here on our doorstep.

    We discuss sport, the weather (very British), education, child care, park amenities, politics, lifestyles, dreams and goals - absolutely great! The work environment interactions were so rigid and "cautious" compared to the delightful conversation had with our new friend on such different topics. Now that Mrs C is back at work, this is the number one thing she complains about work, that everyone is so careful about saying the right thing that no-one talks about anything but the weather. Try talking about this blog's main theme early retirement in a work environment - a sure fire way to curtail a career I think!

    A small group of local friends has quickly grown to the point it is sometimes challenging to find the time to see and visit them all! Here are some of the stuff we have talked about and learnt:
     
    1. Found out about new activities (city farms, swimming pools etc.)
       
    2. New outlook on different cultures and a desire to visit their home countries. The kids get to play different games together.
       
    3. Education: schools, values, books, activities and outlook on life.
    4. We can and have relied on our friends for help, look after each other if someone is not well or to look after children and pets.
       
  2. Library
     
    1. Previously it was easy to go on the web and buy loads of book. They were read once then spent a lonely existence on our bookcase enriching no one. Now THE.CONTENDER goes to the library and borrows fantastic books for free. After reading them, instead of filling up the house they are returned to enrich the life of others in the community. The variety of books in the library is also astounding for both the adults and the children. Ours enjoy sitting there for an hour or so every couple of days flicking through a few books and choosing the ones they want to take home to read before bed.
       
    2. Film rental - now that we have kids, a night at the cinema is a real luxury again as not only you pay for the tickets but also for childcare. To avoid cluttering the house we prefer to rent DVDs from the library and enjoy them at home over a cup of hot chocolate.
       
  3. Parks offer hours of entertainment from picnics, climbing trees or kicking a ball around. You get fresh air, exercise and hopefully tired kids who are sleeping well in the evenings.
     
  4. Museums (Major London museums are free) - another great cheap / free learning and entertainment resource for adults and kids alike.
     
  5. Children Play Groups
     
    1. Play groups for the kids are run by local churches, mothers, dads, retirees, all volunteers and local government in our area. We are very fortunate there are so many available to keep the kids entertained and learning through interaction with other children.
       
      I still get a few looks at some of the groups where I am the only male carer but it is all good and inquisitive. They are genuinely interested to see a dad looking after the kids and are really pleased to see a father taking responsibility for his children. Some of my female ex-work colleagues said I was setting a trail blaze in the workplace after quitting to raise the kids - so kind of them to say so.

      There are even dad's support and play groups each week. Several dad's arrange these as well as extra curricular activities on a regular basis (zoo, museum, pub:)  THE.CONTENDER has met some  great new friends there and is inspired by their commitment and love for their children.

      For all those dads out there THE.CONTENDER is having a great time - if you get the chance to take some parental leave - go for it. My best advice is don't stay at home with your kids, go to the local library and join as many free or cheap playgroups as you can. You will soon meet lovely like minded people and you do not need to spend a fortune on cookery crafts art classes at £15 per child per hour! You only get one chance to spend that precious time with the young ones as they grow up so fast!
       
    2. Other paid activities which can get a little bit expensive are: piano, drama, ballet, painting, languages classes to name a few.
       
  6. Other Entertainment - film screenings in our library, carnivals, open days at the fire station, firework shows, occasional street parties. Locally there are dog contests, kite festivals, bike riding clubs, loads of entertaining free activities. Plenty of entertainment for free instead of exhausting  trips to a theme park, show or sporting event.

  7. HELP! - Neighbors are great to have. "Quick! Please , would you look after the kids for 5 minutes while I deal with something urgent?" "Do you have a spare 1/2 inch spanner?" "Do you want a toddler bicycle - our kids are grown?"
     
  8. Charity Shops
     
    1. Great for decluttering all of the stuff you no longer use. The charity can use the money to support their cause and the items get recycled in the local community.
       
    2. A wonderful source of cheap resources such as clothes, tools etc.
       
  9. Churches
     
    1. Support when you need it even if it is just someone to listen
       
    2. Activity groups - our local church runs a free gym
       
    3. Sunday schools providing part of a balanced education (The Sunday school is run by the parents of the children.)
       
    4. A way to engage in volunteering and charitable work (food banks, donations, and even shelter)
       
    5. A spiritual perspective on life (for early retirement it helps put a perspective on what is really important in life, family, friends, community, charity etc.)
       
  10. Schools -  Our local primary and nursery school (3-11 yrs) is a FREE state-funded school. Our school is involved with several charities arranging collections of food toys and clothes for good causes and local charities, and fundraising events for them.
Our communities are an amazing resource right on our doorstep. For an early retiree* this is a blessing that will help forge new friendships, entertain the kids and learn exciting new skills. Have a look at what is going on in your community today. In part 2 we will look at our own ways of contributing to the community and learn some of those new skills. See you next time!

THE.CONTENDER

The PERL- Planning for Early Retirement and Life spreadsheet is taking shape nicely. Some key aspects are being worked on in the Life planning part of the spreadsheet, its structure and its content. A library of useful links is being added. Finally it will need to be SIMPLE so a good look at what is really needed and what can go needs to be done.

* Just a quick footnote for an Early Retiree here are some estimated yearly costs for some paid activities: if you like buying books (£300), going to the cinema (£672), participating in expensive play group activities (piano lesson 1K), follow you football team (3K - just dad goes), go to theme parks (£300) and pay for private education (9K) you can easily spend ~ £14K equivalent to income of £1,400 per year or £116 per month!!! (multiply values by 1.6 to give an estimated value in dollars)

Welcome New Contender Readers! Take a look around. Start at the first article, browse the all posts or just go for a Random Post. Please feel free to play with the FREE planning tools and checklists.

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Are you planning for financial independence and wondering what to do with it. If so is any of the content on this blog of use to you? I would appreciate any comments you have. All the best C

Welcome to FISH !
You have come here looking for answers. How to get out of debt? How to save and invest? How to retire early and how you want to live in retirement.

Well this is the right place for you as out tribe has been through all of these steps. We no longer work for a corporate employer and have saved enough to retire early. How we did this is shared here on this site for you.

Our little tribe found out these secrets to financial independence in our late 20’s. Since then we have taken early retirement, in our late 30's, in just 7 years. We now live in the South West of France with our two young children.

Along the way I decided to share everything I learnt. My articles and tips on aggressive saving and compound investing are there to help you meet your financial goals fast. I discuss ways to help you decide what you want by building a life plan. This helps to work out how to get where you want to be whilst avoiding the pitfalls along the way.

My expertise was built up working in blue chip corporate jobs, extensive reading and putting it into practice. I have condensed this knowledge into simple strategies to help you meet your goals and not those of the bank or the place you work.

There are free planning tools on this site that help you make a life plan. A plan for your future. The tools calculate how to reach your financial goals in a timeline that suits you. The tools help set out your life goals, make them happen and how to exceed them.

There are tips on how to simplifying your life to remove day to day headaches. These include ways to pay off debt fast buy eliminating wasteful spending habits. How to reduce your monthly bills through choices that actually improve your health and wellbeing. Identifying things you don’t need that sap your time and wallet.

There are little sustainability projects to reduce your dependence on shops and utilities whilst saving money to spend on things you want.

All of these little steps will show you how save 50%+ of your salary so you can meet your goal whatever it is. This huge saving rate can be compounded for very early retirement. I am sure you will find something here for you.

Darren Lee (A.K.A the Contender as in my blog)

 
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