Midlife Musings and Measurable Goals

I looked back at my MSE diary from 2016. I wanted a dog, a car and a trip to NY. I wanted to be DF and MF. Things change. I am DF and MF and I did get a car, although driving wasn’t all it was cracked up to be so I’m letting it go. I don’t much fancy New York anymore, I prefer rural Scotland. :)

I am embarking on creating the life I want to live. I have a tiny income, but I am free and that outweighs any money stresses I might experience. There are loads of things I want to achieve in 2020, all the normal stuff like holidays and creative activities and optimum health. I want to get organised and start a morning and evening routine. I want to get serious about work and serious about living my best possible life. Oh, and I still want a dog…

Here are my measurable goals :)

20 new tech steps mastered and implemented (1-2 a month)

20 premium bonds purchased (1-2 month) £500 at the end of the year
20 NSDs a month
20 new MSE actions that improve my financial situation (1-2 a month)

20 applications to raise my creative profile (1-2 a month)
20 things applied for to support my creative process.
2020 pounds earned from my creative work in 2020
20 hours a week focused creative work

20 new home improvements (1-2 a month)
2020 is the year the house goes on the market
20 items out of the house every month

Health and fitness
20 miles a month walked or cycled (5 miles a week)
20 kilos lost in a year (This equates to a pound a week)
20 parks or open green spaces visited a year (1-2 a month)
20 AFDs a month

Some of these are big goals! Wish me luck. I have a feeling I’ll need it :)
If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them.

Solicitor/survey savings 300/1700
Emergency fund 0/1000
Buffer fund 0/200


  • Found your thread and hv subscribed. I wish you well in your quest x
    Count down to retirement 2023
  • Happy new diary and good luck with your goals!
  • Always read through your old diary, I have made a resolution to be less of a lurker, so subscribed and best of luck :D x
  • mark55man
    mark55man Posts: 7,924 Forumite
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    Shiny new diary - posting to subscribe. I will post a link for you on your old diary
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • Love those goals, lots of food for thought for me. Deal with the dog one first, it’ll be the biggest life enhancer
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 11st11lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 40.25% through my pb challenge.
  • jwil
    jwil Posts: 19,100 Forumite
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    Happy New Diary and Happy New Year :)
    "If you can dream it, you can do it". Walt Disney
  • I had a read of your old diary yesterday and wished you well in your brave quest to live "dangerously", authentically. Good to see you re-grouping and forging ahead into 2020. All your targets seem achievable. I think premium bonds are a good plan and you have inspired me to stick away £50.00 a month in them too, i'll wish for a big win for both of us!!
  • Subscribed to your new diary DIA . So many achievable goals here .
    Look forward to the next stage of your journey :)
  • beanielou
    beanielou Posts: 90,257 Ambassador
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    Happy shiny new diary.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
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    One debt remaining. Home improvement loan.
  • Chrystal
    Chrystal Posts: 1,852 Forumite
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    Followed you over and subscribed to you new diary DIA.

    Goals sound fantastic :D, and I hope that 2020 brings everything you want. X
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.

    Yesterday is history, tomorrow is a mystery
    Today is a gift. That's why it is called the present.

    happiness isn't achieved by getting extra things,
    but by getting rid of the things that make you unhappy
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