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Midlife Musings and Measurable Goals

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  • doingitanyway
    doingitanyway Posts: 10,925 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    I’ve been unwell with a cold so I don’t feel this week has seen much progress. :( However, I am grateful that I have bounced back although my nose is so sore the skin is shredding! I forced myself to go out last night because it was a friend’s special event and it will only happen once so I had to be there. I left a little early but that’s okay.

    I wore my new cardigan that was reduced in the sale by 60%. It still wasn't cheap but it is very well made from 100% quality British wool and will last many seasons. ;) It looked lovely and distracted from my sore nose (I like to think).

    I haven’t eaten the right way so my joints are inflamed especially my knees. I am defrosting a free range turkey breast joint (YS) today that I will have tomorrow with tons of veggies. Good protein and veggies will get me back on track. ;)

    I went for a facial and my skin looks(and feels!)much improved. I used the college so still MSE :money:
    I shaped my eyebrows instead of paying to get them threaded. :money:

    A high energy bill arrived. I could be better with saving electricity by turning lights off, not using standby etc and I will be, but I am relatively careful and I refuse to be cold so it is what it is. I can pay it so it could be worse.

    Shopped for a book to read from my bookshelves instead of buying or ordering book from the library :money:

    Decluttered a yoga mat/a teapot/a gift box/old light fitting/comb/shaver/boots/shoe bags.

    Today I will potter and rest as tomorrow is another busy day with 2 social events.

    Wishing you all a positive end to your week.
    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

    Emergency fund 1400/1000
    Buffer fund 100/100
    Debt Free (again) 25/07/2025
  • savingholmes
    savingholmes Posts: 29,181 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi - you've reminded me that I got a book for Christmas that I haven't read yet. I'm half way through another on Aud1bl3
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
    3) Mortgage neutral by 06/30 (AVC £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5.4K updated 8/5/26
  • Well done on the eyebrow savings. I am seriously contemplating doing my own nails, what first world thoughts lol. It is good that you are making a quick recovery from your bug. Have a great weekend.
      
  • doingitanyway
    doingitanyway Posts: 10,925 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    I have just completed my last social obligation. Maybe obligation is the wrong word but I do feel there has been lots happening socially. I am so excited to have next week to myself. I need a hardworking week with lots of NSDs under my belt.

    The weather has been wet ad without a dryer, washing is just piling up on me. This needs urgent attention.:eek: It is impossible to convince myself I am in control when dirty clothes are piling up :o

    I have a damaged knee that has slowed me down today. Poor mobility is ageing and I moved like a much older person. I didn't like it. So I need to help myself and I can do that by getting some weight off and relieving the pressure on the joint

    Tomorrow is all about prepping for a really frugal, healthy, productive week :)

    Wishing you all a happy Sunday for tomorrow :)
    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

    Emergency fund 1400/1000
    Buffer fund 100/100
    Debt Free (again) 25/07/2025
  • I read this recently, "Messier's study concluded that for every 1 lb of weight loss that occurred, there was a resulting 4 lb reduction in knee joint load or knee pressure". My area of weakness is around my ankles, but the above statistic is spurring me on.

    I think Sunday is a great day for prepping, hope you have a good one.
      
  • savingholmes
    savingholmes Posts: 29,181 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you feel better soon DIA
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
    3) Mortgage neutral by 06/30 (AVC £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5.4K updated 8/5/26
  • Hope you feel better this week DIA . You have been doing loads and it's the season to have colds , headaches and flu etc . :o

    As for the knee , check that it may be because you've changed footwear recently . You can get a poultice ( not sure of spelling ) , where you put a sock like device into a microwave and rest it on your weak points . There's always sprays . Hopefully it'll pass in a short time and not too much of an inconvenience .

    I had a haircut last week and the lady did my eyebrows as well .
    Good move really , as my friends kept telling me I looked like that Russian .. Brezhnev . :)

    Anyway , have a good week ..
  • doingitanyway
    doingitanyway Posts: 10,925 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    I read this recently, "Messier's study concluded that for every 1 lb of weight loss that occurred, there was a resulting 4 lb reduction in knee joint load or knee pressure". My area of weakness is around my ankles, but the above statistic is spurring me on.

    I think Sunday is a great day for prepping, hope you have a good one.
    That's a good incentive MS :)
    Hope you feel better soon DIA
    Thanks SH I feel better today :)
    Hope you feel better this week DIA . You have been doing loads and it's the season to have colds , headaches and flu etc . :o

    As for the knee , check that it may be because you've changed footwear recently . You can get a poultice ( not sure of spelling ) , where you put a sock like device into a microwave and rest it on your weak points . There's always sprays . Hopefully it'll pass in a short time and not too much of an inconvenience .

    I had a haircut last week and the lady did my eyebrows as well .
    Good move really , as my friends kept telling me I looked like that Russian .. Brezhnev . :)

    Anyway , have a good week ..
    Love the Russian image. Glad you had your eyebrows done :)
    My knee is improving and the cold has gone. ;)
    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

    Emergency fund 1400/1000
    Buffer fund 100/100
    Debt Free (again) 25/07/2025
  • doingitanyway
    doingitanyway Posts: 10,925 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    I am still decluttering as I go. Another IKE3 bag full of stuff out of the house yesterday including 2 yoga mats. I am buying them but not doing yoga! The mats are made of toxic material. I am not sure why they are so popular with the yogis.

    I have meal planned for the whole week :T

    Three loads of washing, drying and ironing done. Three loads of dishes washed. Veggie curry made. (yesterday) :T

    I finished paying my annual C/T. I have spent this in my head, earmarking a £800 spend when I total all my plans. Shame the CT saving is a fraction of this amount…Ah well I enjoyed the dreaming.

    I have juggled figures so I can pay for the windows, a high energy bill and new clothes. I have so many little note books with rows of figures and crossings out in my life. Just think, somewhere there are people who just pay stuff without a second thought. Constantly being aware of money takes up headspace although nothing like the stress of debt.

    I am thankful I can pay what I need to when I need to. I will focus on ensuring this continues.

    I am thankful my knee is improving.

    Have a good day everyone :)
    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

    Emergency fund 1400/1000
    Buffer fund 100/100
    Debt Free (again) 25/07/2025
  • Wow you've been busy!

    Glad your knee is improving.

    Have a lovely day xx
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