I’m 70 in February. I live in Cornwall on a state pension, and I’m starting over (again).

The pension pays the bills. Just. There’s no safety net, and one letter from a government I didn’t vote for could take it away. I’ll come back to why that matters because it’s the whole reason I’m writing this in public.

First, how I got here. I’ve restarted my life more than a few times, and not always by choice. The first time was the easiest.

I was 26. I rolled my rally car three or four times into a ditch and wrote it off, and rallying, the one thing I loved, was over. Weeks later the new manager at work screamed at me in a glass office, in front of a customer, and sacked me on the spot. I took the company to an industrial tribunal. Two barristers, and me, defending myself because nobody knew what had happened in that office better than I did. I won. They gave me a payout, not huge, but more money than I’d ever had in my hands.

I spent it on a 18ft sailboat called Mor Gwas instead of another car.

I’d read a book about a man who crossed oceans in a similar boat, and I decided I could do the same. After many adventures, I set off from Falmouth. Three days out I was a wreck: seasick, exhausted, unable to eat, and with worse weather coming and no way of calling anyone. Then a French fishing boat appeared. I fired a flare. They came alongside and pulled me off.

Mor Gwas was up to the trip. I wasn’t. She stayed afloat, and the French Navy salvaged her days later. She went to a Frenchman in Brest, and I went back to my parents’ house with nothing. For weeks afterward strangers would say “oh, you’re the one that got shipwrecked,” and I’d let them say it because I was too ashamed to correct them.

That’s what it feels like when something you’ve gone all in on doesn’t work.

Then came another fresh start. I did what people do. I got a job. I got married. We bought houses. First a little semi, then a tiny 220-year-old cottage. A baby came along. We bought a new-build, with three bedrooms and an ensuite. I worked in a warehouse. Left home at 5:30 in the morning, got home 7 at night. In 1991, the company I worked for went bust because an accounting firm couldn’t add up. Liquidators, chains on the gates, everyone laid off. Interest rates hit 15%. I paid the mortgage with a credit card. House prices were falling, My wife left me taking our daughter with her. The house sold for £30,000 less than we’d paid two years earlier.

I clawed my way back. Another relationship, another house. This time I thought it’d be OK. It wasn’t. A few years later everything fell apart again. I thought that was the end of me.

It wasn’t. It was another beginning, though I didn’t know it for months.

By 2005 I was nearly 49, living alone in a rented flat, driving a thousand miles a week, meetings that were people shouting at me. I came home late one night with a takeaway chow mein, put the television on, then threw the remote across the room hard enough to smash it. I sat there staring at my food and once again wondering whether there was any point carrying on.

In January 2006, I finally cut open a box of books that had been sitting unopened since I’d moved, and in it was a book of sail boat designs. My heart leapt at the sight of it. Something in me that had been switched off for twenty years came back on, and I knew, not hoped, knew, that I was going to build a boat and get back to the sea.

It felt like my last chance. I’d rolled the dice and lost so many times before. If I failed at this, my life would be over.

I was 50 when I started. I had no money, no build shed, no idea. I found a barn in the middle of England, more than a hundred miles from the sea, and I spent eight years building a 38ft ocean-going catamaran in it. I blogged most days of the build.

Some years I logged over 700 work hours. One year I logged 46. I came close to giving up more than once. But I kept going, and after 5000 hours my boat tasted salt water for the first time.

I’d built alone, but I didn’t have to sail alone, I’d finally chosen the right girl, and so we sailed south together. I wrote and published three books about my boats and my adventures. I became ‘Foolish Neil’ and folks I’d never met recognised me and said ‘hi’. I’d deliberately built a boat, and along the way I’d accidentally built a community and an identity. All because I wrote and shared.

I’d planned for it all to continue. The Universe had other ideas.

After four wonderful years I sold my dream boat to a man who’d been reading my blog from the beginning. The decision to sell was mine, the reasons for having to do so beyond my control.

We bought a fifth wheel caravan and a truck, hoping to keep travelling, while still being able to respond if family needed us. COVID-19 and Brexit between them took that plan apart. An old dilapidated park home came up near my Dad’s place, so we bought it, I spent three months making it liveable, and we moved in during March 2021.

Another life change. One of the few open to us.

And not long afterward I found out the thing I’ve been living with ever since. I didn’t know who I was any more.

I write. I’ve always written. I’ll continue to write.

Almost everything good that has happened to me came from writing stuff down where people could find it.

The boat got finished because strangers on the other side of the planet helped me. They couldn’t be there to cut wood or mix epoxy, but nonetheless the boat would never have floated without them.

It’s taken far too long to realise that sharing who I am and what I do is an important part of my life. Sharing like this helps me understand myself better, helps me keep things in perspective, helps me get along. But, just as importantly, it connects me with others and, so they say, helps them too.

I’ve set up a new home online.

You’ll find it at www.neilhawkesford.co.uk. I’ll be writing about life in Cornwall on a small pension, and about the good things that come when you share it with strangers.

There’ll be daily ’micro posts’ and longer posts twice a week.

If you don’t want to miss those longer ones you can subscribe to get them by email.

So now you know who I am, and what to expect. Honest, a bit raw, and, dare I say it, even a bit foolish?

Which brings me back to the pension. It pays the bills, just. The way things are going it may not do so much longer. So I won’t pretend I’m not hoping this writing online lark might one day bring in a little extra. Even £500 a month would make a huge difference. Maybe it stays a blog. Possibly, it grows into something more. I honestly don’t know, and I’ve stopped needing to.

What I do know is that almost everything good in my life came from being open about it. So I’ll write often. I’ll share what I find, the good and the bad. And I’ll listen, which matters just as much.

Because I’m not the only one with a story like this. You’ve had your own changes too I’m sure. Some you chose, some were forced on you. Some turned out well, some badly. But every one of them brought you to where you are today, and the best bit is that you can always make a new choice. Even a small one. Mine happens to be starting a new blog.

So tell me about yours. I’d really like to hear.

You can email me direct - neil@neilhawkesford.co.uk