Planning a ‘Work Optional’ Life

open book
It’s time to look at another book that I have been reading
introduction

After my posts on ‘Deep Work’ by Cal Newport, I thought that it was time to go back to a book about financial independence and early retirement. The book that I have chosen is ‘Work Optional’, by Tanja Hester. This is partly about how to financially achieve early retirement, but also a lot about shaping your life – a life that you love. There is much less focus on the author’s story than other books that I have read, which I found to be a refreshing change. Instead, it is a step-by-step guide on how to discover what makes you happy in life and work out how you can make that a reality. Tanja also gives two other options apart from total FI/RE, which are semi-retirement, where you work part-time, seasonally or in a lower stress job and a career break.

As regular readers will know, my goal is ‘partial early retirement‘ and so her suggestions fit nicely with my future life plan. Since reading the book, then re-reading it and taking some notes, I have been meaning to work through it to consider what Natalie Bacon would call my ‘future self‘. As a way of introducing you to Tanja Hester’s advice I thought that I would do this here, on ‘A Simple Life’. In that way I can share her ideas with you as well as have a think about how I can put them into practice in my life.

At the moment we all have more time at home and I think that this is a great opportunity to stop and reflect on our lives, something which I don’t think that we do often enough. We are usually on that hamster wheel, not really thinking about where we are going or even where we’d like to be going. We tread the same old path we’ve always followed and inevitably we’ll continue to get the same results, rather than mapping out a new path and starting intentionally on a road to a more fulfilling life.

house on a tropical beach
You may get bored of this after a while
define your work optional LIFE

I have heard many commentators and bloggers talk about finding a purpose in early retirement. Images of FI/RE often feature tropical beaches with the implication that you’ll be spending most of your time there when you retire. The idea of ‘escaping’ the drudgery of the 9-5 for a sandy beach may seem attractive at first, but eventually you’ll get bored and want something more fulfilling to do.

I certainly know from my own observations of my parents, who are traditionally retired, that my mother seems the happier individual of the two. She has joined many clubs and made new friends since she retired, as opposed to my father who spends much of his day watching television.

For Tanja the idea is that before focusing on the financial side, you need to work out the lifestyle part. Only then do you focus on the finances and calculate how much your ideal life is going to cost you. Once you’ve done that you will have a vision in your mind about what you’re working towards, as opposed to saving and earning just to escape your current situation.

areas to focus on

So how do you do this? Tanja suggests six different areas that you need to consider.

Four people laughing
Remember the times which made you smile
Day to day life

Think about when you are happiest. For me this is when I am outside, especially if the weather is good. It doesn’t matter if that’s in the garden, a walk along the beach or a hike in the mountains. I enjoy feeling the sun on my face and spotting the wildlife.

This area also asks you to consider your hobbies. It’s likely that you currently spend some of your free time doing things that your enjoy, but may get frustrated that work gets in the way. When your life isn’t so focused on earning money you could decide to make time for your hobbies or even take up some new ones. What would they be?

Big picture dreams

For me my dream has always been to live in France. It’s a country that I love and where I have spent many happy holidays over the years. I have been asking myself why I like France. The climate certainly plays a significant part. Being able to spend more time outside and have guaranteed sunshine is definitely a major plus point for me. That is something that cannot be guaranteed in the UK. I have been thinking of more modest ways of indulging my passion for France rather than upping sticks and leaving for the continent. So far my preference is for extended holidays in France.

Mr Simple always points out that by buying a house you limit yourself to just one area of what is a large and diverse country. For me I have always liked the idea of not having to pack to go away. Having a place where I can just turn up and everything I need is there – a whole wardrobe of clothes that I just wear in France. There’s no unpacking, no working out how to turn the cooker on or where the nearest boulangerie is because you know all that already. I can though see what he means. An alternative would be to rent a house for a month or six weeks, which if you don’t work is possible. If I am in a semi-retirement phase only two to three weeks would be doable. That would give me plenty of time to start to feel at home and get to know an area.

Whilst thinking about travel I also realised that in the winter the weather can affect my mood. We live near an airport and many retired people who live in our village take advantage of that by going away during the cold months to the Canary Islands or Cyprus. I’ve realised that I want to be one of them – to have time away, say in November and February every year in order to feel the sun on my face.

golden retriever dog
We love dogs and would have more time post-retirement to look after one
Legacy and Purpose

This is about your contribution to society. What do you want to be remembered for? Mr Simple and I have become boarders for ‘Guide Dogs for the Blind’, which means that dogs who are in training live with us for a few weeks or months. This works well if you have a job, as the dogs are taken out in the daytime to train. On a few occasions we have been asked to look after dogs who are having a break from training and this has not always been possible due to our work pattern. If we both worked less we may not have to say no in the future. There is also an option to have a puppy, which you do for a year, but I’m not sure how that would fit in with my plans for more travel. And I am sure that I would really struggle to say goodbye to the dog after he or she was part of our family for a whole year.

Self-Worth

Many of us define ourselves by our professions and once we retire this is no longer an option. Isn’t it always one of the first questions people always ask when you meet them, ‘What do you do?’, but which we know they mean, ‘What job do you do?’ I was listening to an episode of ‘The Life Coach School’ podcast about visualising your future self when the world is so uncertain due to Covid19. Brooke Castillo suggests focusing on your personal qualities such as creativity. Whatever the world throws at you these personality traits will remain. So what will make you feel good about yourself when work is no longer your main focus?

Tanja recommends thinking about what you feel best at in your work. Are there parts of your job that you could continue doing, saying in a voluntary capacity? Think transferrable skills. Think as well about what makes you feel good about yourself outside of work. My profession is social work, which involves interacting with people from all walks of life and trying to help them sort out their problems. If I didn’t work any more I am sure that I could do some volunteer work which embodies these basic principles.

Over the past few months I have developed an interest in life coaching. This has some overlap with social work, although the families that I meet through my job tend to be in quite dire situations. Those seeking life coaching usually have more middle-class backgrounds. The common factor is one of problem-solving i.e. helping people improve the quality of their lives. Without necessarily meaning to do so I have begun to use some of the principles that I have learnt from life coaching when working with families. I also find myself quoting Natalie Bacon when talking to friends or Mr Simple. How it all translates into occupying myself during semi-retirement I’m not yet sure, but it’s an area that I plan to continue to develop.

a man and a woman
Who are the important people in your life?
Central Relationships

Do you have a significant other who will be sharing your ‘Work Optional’ life with you? For me that is Mr Simple, and although I talk about working part-time and planning how that will look, he is not interested in doing this with me. He believes that action is the key, whereas I like to spend more time thinking about things before I get on to the doing part.

As well as your partner, think about other people in your life who you would like to spend more time with. Once work is not such a big part of your life you should be able to make more space for them. If they live far away maybe finally you’ll have the time to go and stay with them. I’ve mentioned this a few times before, but friendships is an area where I struggle to find like-minded individuals. I know people, but the honest truth is that many of them are acquaintances rather than friends. If any of you have suggestions about how I can work on this area I would love to hear them.

Finally within this area there is your community. I live in a lovely village and have daily contact with my neighbours. Even during this period of lockdown due to the coronavirus there are frequent Whataspp messages exchanged between our group of neighbours and everyone is supportive of each other. We don’t plan to move from here and so this will continue and maybe even become a greater part of my life when I have more time to get involved in the activities that they arrange.

Life Logistics

Think about where you want to wake up every day. For me I am happy for it to be in our current home despite wishing the sun shone here a little bit more. Our current goal is to finish renovating the house so that we can spend more time enjoying it. Do you plan to stay where you are or are you planning to travel the world once you are retired?

path through a rape field
I love being outside when the sun is shining
Conclusion

So where are we? What is my semi-retirement life going to look like? After considering each of the six areas Tanja suggests that you consider the themes that emerge across the different categories of your life. For me I think that this is the outdoors, sunshine and animals.

So now hopefully you have an idea of what is important to you and the outline of a life vision that you can work towards. You may even want to write this out or create a vision board which you can stick up or have as your screensaver. Somewhere that you will look at it every day.

Next time we’ll look at creating your money mission statement, but that’s it for now. Until next time, take care, Sam.

April Review

Butterfiles on lavender
We’ve had lots of peaceful days in the garden in April – the weather has been amazing

I’m sitting here wondering if I have enough to tell you about, as life has become fairly quiet in the Simple household. To a certain extent it’s always been peaceful and calm, but the days have occasionally been dotted with some social activities. Now the evenings and weekends are blank canvases which I can fill with whatever I want – well obviously as long as it’s mostly within the limits of our four walls and garden.

scissors on green background
We all now have to learn to be our family’s hairdresser
spending

It has on the whole it has been a frugal month. I spent the princely sum of £2.20 on cleaning products and £27.98 on toiletries, which included two packs of hair dye. I am so glad that I started to colour my hair myself before the hairdressing salons had to close. The next task is learning to cut it or at least Mr Simple learning to do so. l am going to use Mrs Frugalswoods’ guidance on this as I have long straight hair like her, which hopefully shouldn’t be too difficult to cut.

My usual monthly Tesco delivery didn’t happen as securing a slot seems to involve getting up in the middle of the night to book and I’m therefore shopping at a small local super market. I have realised how cheap some of Tesco’s prices are and have gone without rather than pay over the odds. My food budget is £100 per month and yet in April I spent £170.00. Fortunately my miscellaneous budget of £40 wasn’t spent and along with the £50 I have for social activities, which again remained unspent, they more than covered this.

The food budget included a local veg box delivery. I used to subscribe to Riverford and then Able and Cole, but gave them up as an indulgence when we started on our frugal journey. At the beginning of the lockdown l searched online, but everyone was oversubscribed. A local service said that they could put me on their waiting list and then in April they had a space and have started delivering every week. Whilst most of what they deliver isn’t currently their own produce, as we are in ‘the hunger gap’, as the weeks go on it should all be from their fields which are with a couple of miles away. For the moment I am happy to pay for someone to deliver instead of making an extra trip to the supermarket.

The annual house insurance payment was due in April, but like all once a year bills l save towards it every month and so the money was there when I needed it.

blue petrol pump
Zero spent on fuel this month
saving

My petrol spending has been zero. I’ve also saved on my monthly physio appointment as they are currently on hold. The money I’ve saved went towards the mortgage. That took the overpayment for the month up to £650.00 and our balance now stands at £67, 774.76. It’s great to see it going down at such a pace.

With the interest rate on my index funds with Vanguard having plummeted in March, it’s recovered quite amazingly in April and the balance stands at £18,405.16. My total savings are £31,474.43, which doesn’t include money put by for a new car. I’m just paying in my regular amounts to my ISA and plugging away at the mortgage instead.

Mr Simple and I have spent a lot of time in the garden and it’s looking good. April has been such a hot month and we could have done with more rain. Our water rates are down to £28.50 per month, after being at £40.00 for a while due to having a new lawn laid a couple of years ago. Currently, the water butts are nearly empty. If we don’t have a lot of rain we’ll end up having to use the hosepipe to water the garden. l know some of you may be cursing me if I get my wish, but I would love a week of steady rain. Otherwise our bill may be on the rise again.

Woman in pink doing pilates
One day I might be able to do this – but not for now!
keeping fit and well

Due the lockdown my Pilates classes, like much of life, have become virtual. Since our teacher changed at the beginning of the year I have not been entirely happy with the pace and format of the class, but have tried to stick with it as I do love the exercises and feel the benefit of them. Having participated in a few virtual classes with her I decided to explore other online possibilities. I was so glad that l did as it led me to Jessica Valant Pilates and I have become obsessed. You can check out her free YouTube videos here, but after doing a couple of those I took the plunge and signed up for her ‘Unlimited’ programme. It costs just £107 for the year and you have access to all her videos, most of which are much longer than those on her YouTube channel.

Every month there is a suggested programme which includes two new videos. I was also able to attend a live class the other night which was free to Unlimited members. I love her teaching style which is very clear and she doesn’t go too fast. If you haven’t done Pilates before there is a ‘Jumpstart’ monthly programme to get you started. My previous classes have been £8 per lesson, which works out at about £400 if you did it every week of the year. With this new regime I can do Pilates every day of the year for a quarter of the price. What’s not to like?

In ‘Grow You‘, Natalie Bacon’s fantastic coaching programme, the topic was simplifying and organising your life and mind, which covered decluttering one’s environment and thoughts. I cleared out one of the pantry cupboards, threw a few things out and re-organised the rest. I also sorted out some of my study, where I now spend all of my work time. I have linked to Natalie’s podcasts on several occasions and the content that she produces is like nothing else I have come across. It is all about working on your mind and your thoughts to help you achieve your goals. If you haven’t listened to one of her podcasts I would really recommend that you give them a go.

a bee on a dandelion
Lots of weeds in the shady part of the garden
plans for May

It was my birthday in April and Mum sent me £200 which I am going to use to buy plants for the garden. Since we moved to this house five years ago we have not done any work on the right hand hide of the garden. That is the shady side and so more challenging horticulturally. l have made a list of plants that should be happy to grow there. At the moment it is a bit of on overgrown mess, but in May that will all change. We have a week off and originally we were meant to be going to Pembrokeshire, but instead we will have an unexpected staycation. Our plan is to work on the right hand side of the garden. Once it has been cleared I can spend my birthday money on some new plants. I will let you know how we get on in next month’s review.

For now, I hope that you had a peaceful April and are keeping yourself safe and well. Until next time, best wishes, Sam.

Draining the Shallows

If you’re a regular reader you’ll know that I’ve been making my way through Cal Newport’s book ‘Deep Work’. So far I’ve given you a general overview and introduced you to his first two rules – ‘Work Deeply‘ and ‘Embrace Boredom‘. There are four rules in total, the third of which is ‘Quit Social Media’. This title pretty much speaks for itself – limit the amount of time that you spend on your smartphone. I’m therefore just going to skip to the final rule which is ‘Drain the Shallows’.

In this chapter Cal says that if you eliminate shallow work and replace this recovered time with more of the deep alternative, not only will your business continue to function, it can become more successful. Basically if you’ve been wasting alot of time scrolling through Instagram, when you stop doing that don’t then use that extra time to watch TV. Instead do something useful to move you towards your goals. So what are his ideas for achieving this?

Plan your schedule for every day ahead of time
schedule every minute of your day

I know what you’re thinking, that’s so boring, but I honestly believe that it is life-changing. Cal believes that we spend much of our life on autopilot, not giving much thought to what we’re doing with our time. I see this so often. People’s days lack any structure. Then all of a sudden that report is due tomorrow and they’re up all night writing it. Their life goes through peaks and troughs. They lurch from one crisis to the next, instead of being on an even keel. That may sound boring, but I can tell you, it’s a lot less stressful.

Cal recommends dividing the hours in your work day into blocks, assigning activities to each block. The minimum length of a block should be 30 minutes. The block tasks should be generic and you then make a separate list of the full set of small tasks that you plan to accomplish in that block. The life coach Natalie Bacon would say that you shouldn’t write “work on article”, but should say, “write 1000 words of article”. In other words, quantify the task that you want to have achieved at the end of that block.

How can you guarantee that you’ll allow enough time to achieve a task? You probably won’t at first, but you will get better as you go along. You will also have tasks that crop up unexpectedly. It’s rare than someone has a job which is entirely predictable. So, even though you’re going to write yourself a schedule, it needs to be flexible and you may have rewrite it as you go along.

I have recently moved to having only an electronic calendar and it makes this so easy. There’s no more messy paper diary with lots of crossing out. All my tasks and appointments are given slots on my calendar and as the week goes on they get moved around. Sometimes I put off a task until the following week. Other times, if something is cancelled, instead of wasting the space that’s been created I can easily see what I planned to do tomorrow and bring something forward.

Divide your day into activity blocks
Cal’s tips for scheduling
  • Over time you will get better at predicting how many blocks tasks require
  • Use overflow blocks – allocate the expected time a task will take, then follow this with a block that has a split purpose
  • Be liberal with your use of task blocks – lots of things come up in the day. Having regularly occurring blocks of time to address these surprises keeps things running smoothly. I have two 30 minute blocks a day where I deal with emails and make calls. Sometimes these get extended and other days they are shortened. I also use this time to create new blocks in my calendar for tasks that arise.
Work out what is ‘deep work’ and the rest is ‘shallow’
quantify the depth of every activity

Once you have a schedule you can determine how much time you’re actually spending in shallow activities. To determine whether a task is deep or shallow ask yourself:

How long would it take (in months) to train a smart recent graduate with no specialised training in my field to do this task?

Once you know where your activities fall on the deep-to-shallow scale, try to make more time for deep work and reduce the amount of shallow activities that you do.

Try to get guidance from your boss about deep work
Ask Your Boss for a shallow work Budget

Ask yourself or your boss:

What percentage of my time should be spent on shallow work?

Settle on a specific answer and try to stick to this. Obeying this budget will likely require changes to your behaviour e.g. saying no to some projects, having more mornings where you turn off all communication e.g. emails and your phone. You may decide it’s not as important as you once thought to respond quickly and in detail to every email that crosses your inbox. If your amount of shallow work increases over the limit you’ve set, your boss should agree to you saying no to things.

Cal comments that it’s incredibly wasteful to pay highly trained professionals to do things such as send email messages. When I read this I wanted to copy it to my management team as I spend a lot of time doing administrative tasks, as do many people in the public sector. I always feel that it is such a waste of me as a resource. Someone on the minimum wage, with half a day’s training, could do some of the tasks that I have to regularly complete. I feel that I could be a much more effective employee if these tasks were reallocated.

Your desk should be clear by 5.30pm
Finish Your work by Five Thirty

Cal calls this ‘fixed-schedule productivity’ – fixing a firm goal of not working past a certain time. I think nowadays many people are very poor at this. I think that it’s a result of a couple of factors. Firstly, many people do have too much work, but there are those who do seem to manage their time better than others. I think there’s also something ego-boosting about feeling that you have to be available all of the time. It’s like saying that your work couldn’t run without you, when in fact that’s probably not the case. I am definitely a fan of turning your work phone off at 5pm and on a Friday it stays off until Monday morning.

Email and instant messages makes us too available – you need to learn to manage it
Become Hard to Reach

Finally Cal gives a few tips for dealing with emails:

  1. Make people who send you email do more work e.g. sender filter laying out expectations e.g. I don’t always reply.
  2. Do more work when you send or reply to emails. Give full replies with specifics e.g. meet up times and locations to reduce the amount of emails back and fore. Each email will take more time, but save you time in the long run.
  3. Don’t respond

So there we are. If you’re like me and still in work, but doing all of it from home, you may have some more time to reflect on how you’re managing your work day. How about putting some of these suggestions into practice? You may find that if you put them in place now, once life gets back to normal you’ll be more productive than you were before.

March Review

a new reality

What a long time ago February seems. l was writing about booking holidays over the summer and now it’s likely that none of them are going to happen. We’ve already cancelled our trip to Pembrokeshire in May. The holiday cottages that we were going to stay at have been closed down until further notice. We had only paid a deposit and fortunately that was returned. As I told you last time we had booked our France holiday for June. Although it’s still a couple of months away I can’t see it going ahead. The ferry and the holiday cottage in Normandy have been paid in full, so we’ll have to wait and see if we get any money back. Fortunately, due to my heart condition, I bought travel insurance when I booked the trip, long before Covid19 reared its ugly head and should therefore be able to make a claim. Others I know will not be so lucky. Whatever happens we plan to take the time off from work, even if we just stay home. There are lots of footpaths and lanes to walk and cycle down, so we can explore our local area and spend time in the garden.

emergency funds

My car went in for its MOT in March and at the same time I asked them to investigate the reason that the coolant appeared to be leaking. It turned out to be the pump and so I had to part with £226.42 to get that fixed. The MOT cost £44.99 plus £2 for a new bulb. My lovely car is now 10 years old so I have increased my service budget. At that age you have to expect things to go wrong. I was watching a YouTube video by ‘One Big Happy Life’ the other week and they were talking about how your emergency fund should not be used to cover spending such as car repairs, as you should be able to predict this. I so agree with this view. I know that unexpected expenses may crop up from time to time, but if you’ve got an old car it’s very likely that you’re going to need to spend money on it over the year. Your budget should account for that. As I’ve allowed £500 per year to maintain my car the replacement of the coolant pump didn’t knock me off track.

My only social spending this month was £1.50 at the village cinema event
socialising is cancelled

Social events included the village cinema which I had paid for in February. I would usually then buy April’s ticket in March, which is £7.50, but as we all know, our social lives have been cancelled. My spending for the cinema evening therefore came to a grand total of £1.50 – a raffle ticket and 50p for a small packet of popcorn. Apart from this I didn’t spend any other money on social activities. My regular get together with ex-colleagues was cancelled and the monthly drink with my neighbours didn’t go ahead.

new budget required

Miscellaneous was very overspent this month. I splashed out on a Leuchtturm notebook for £16.95; certainly not a frugal purchase. Mr Simple has since bought me a ‘Black and Red’ one and whilst it was which cheaper it certainly isn’t as nice. Just before everything shut down Mr Simple and I went to the garden centre when I had a day off and my half of what we bought came to £17.90. I also bought seeds and a climbing rose from Saran Raven totalling £35.02. A local nursery delivered us some compost for £45.

None of these gardening expenses were planned and all of them came out of my miscellaneous budget, which is only £50.00. After spending £12.75 on birdseed and £3 on a card and a stamp for my dad’s birthday my miscellaneous spending came to £147.56 – £97.56. overspent. This has made me realise that I need to have a gardening budget. One of the reasons that we bought our current house was due to the large garden and despite taking a lot of time and effort to manage, it gives us at a great deal of pleasure. It is still a work in progress and we add new shrubs each year, which are expensive, but even when we don’t need to do that we will still need to buy compost and seeds.

Like most people my petrol spending plummeted in March
savings made

Though l overspent on gardening items my petrol spending plummeted, as I started to cancel visits for work and stay at home full-time. My budget is £120.00, but in March my spending came to £71. 75, a saving of 48.25.

l spent £30.67 on toiletries and £4.38 on cleaning products. Food came to £101.01. For Mothering Sunday I bought some smellies from Liz Earle for Mum. They came to £28.07 and this came out of my presents budget for the year.

We are still making great progress on paying this off
focusing on the positives

The regular household bills have not changed and so I won’t go into those. You can see them in previous posts if you’re interested. Our mortgage overpayment was more than usual as we didn’t have to pay any council tax this month. We made a £980 overpayment and the regular monthly payment was £497.11. Our balance stands at £68,752.52.

I continued with my menu planning which is going like a dream. I’m not sure why I’ve never done this before. ‘Grow You‘, the coaching programme by Natalie Bacon which I joined recently, has been amazing. There is so much craziness going on in the world and she really helps me deal with that. Pilates stalled slightly as our weekly class stopped temporarily. The teacher has since set up online classes, although many of my classmates seem unwilling to give them a go. I’ve been joining in via Zoom, although I’ve discovered a better and cheaper alternative which I’ll tell you about next month.

Since I’ve been working at home my step count has increased enormously. Previously I had been struggling to achieve 10,000 a day and so decreased my target to 5,000. I’m now crushing that every day and so I’ve reset my target to 6,000. It’s so much easier to find the time to exercise when you don’t have fit in a commute every day. The good weather has helped as it’s a pleasure to go out.

Finally, my savings, like everyone else, have taken a hit. In March I lost £1425.33. Amazingly it’s started to go back up again, but it’s anyone’s guess what will happen over the coming weeks and months.

Looking forward to some April showers to water our garden
what next?

My April review is going to look a lot different. I’m really fortunate enough to still be in work  – one of the benefits of being employed in the public sector. I don’t expect to be spending any money on petrol, eating out or social activities. That leaves a £200 excess, which I am considering putting towards the mortgage. I’m also not going to my physio sessions which are £32.00 per month. As for holidays, only time will tell if we spend any money on those or not.

I hope that you are keeping well and trying not to panic too much about the circumstances in which we all find ourselves. I would really encourage you to try to find the positives in this situation if you can. If you’re struggling with money you may want to check out the new series by The Frugalwoods.

Until next time, take care of yourself.

Ten Simple Living Ideas During Covid-19

1. widen your culinary repertoire

Be flexible and be open to trying new ingredients. You may not get everything that you want when you go shopping. Use this as an opportunity to buy things that you haven’t tried before and look up ideas about how to use them.

2. Eat more beans and lentils

Not everyone likes eating lentils or knows what to do with them. There are though some great recipes that you can make with them, varying from Indian dals to a lentil loaf for a vegetarian roast lunch.

3. keep in touch

Try to maintain face to face contact with friends, family and colleagues using programs such as Skype or Facetime. You may not have used these before, but this is your opportunity to learn. Schedule a virtual coffee or even a lunch with a friend to catch up.

4. read books

Go to the library. As more and more of us use the internet to keep in touch our bandwith may be reduced. Make sure that you’ve got some good old-fashioned paper books at hand. It will also give your eyes a rest from looking at a screen.

5. get some fresh air

Whilst we’re still allowed out try going for a walk every day. Without that daily commute you’ll have more time in your day. The weather will hopefully improve over the coming weeks and the days will certainly lengthen. Enjoy thirty minutes in the fresh air. It will also help get you away from all those screens and give you a chance to enjoy nature.

6. grow your own

If you are lucky enough to have a garden, even a small one, how about growing some veg this year? Even a balcony would be enough to grow some salad leaves in containers or even a tomato plant if it’s a sheltered sunny spot.

7. have a routine

I’m all for getting dressed for work even when I’m not going out the door. I started to make more of an effort after listening to this podcast by Natalie Bacon.  If you’re not used to working at home you may find this useful to distinguish between work time and personal time. Even if I don’t need to dress smartly I at least put on jeans and then when I’m finished work I change into my tracksuit bottoms. I also have a clear start to my work day, making myself a cup of coffee before I sit down and turn the computer on.

8. remain positive

Try to limit the amount of news that you consume. I think that it can be tempting to get caught up in all the drama, but it can also lead to unnecessary worry. Keep yourself informed, but otherwise try to focus on other things which create more positivity in your life.

9. improve yourself

Make the most of extra time, using it as an opportunity for learning instead of maybe watching too much TV. There’s lots of on line courses or even You Tube videos from which you can learn loads of different skills.

10. improve your home

Take the opportunity to do those DIY jobs that you’ve been putting off for years or even months. Maybe even have a spring clean. It will also be the chance to have a look in the back of those cupboards to find those ingredients you bought but never used. They might just come in handy.

Finally, just take care of yourselves and your family over the coming months. Let me know your ideas for how to manage our time and our minds as we move into uncharted waters.