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Midlife Musings and Measurable Goals

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Comments

  • Ah ah! Found you and have subscribed!:j

    I love your series of '20' goals! I especially like the Techs. This is something I should seriously consider too!

    Have a good New Year's Eve DIA and all the best for 2020!:beer:
    x
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • 24ta
    24ta Posts: 268 Forumite
    Part of the Furniture 100 Posts
    Love your goals
    Good luck with them, will follow
    Subscribed
  • Found your new diary , great goals for 2020. Best wishes for the New Year x
    Life is an adventure, never stop exploring.

  • doingitanyway
    doingitanyway Posts: 10,560 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Found your thread and hv subscribed. I wish you well in your quest x
    Thank you and happy NY :)
    Happy new diary and good luck with your goals!
    Thank you and happy NY :)
    SSDD23 wrote: »
    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
    Aw thanks for subscribing. I tracked you down and subscribed to your diary too. Happy NY :)
    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 350/1000
    Buffer fund 100/100
    Debt Free (again) 25/07/2025
  • doingitanyway
    doingitanyway Posts: 10,560 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    mark88man wrote: »
    Shiny new diary - posting to subscribe. I will post a link for you on your old diary
    Thank you and Happy NY :)
    Love those goals, lots of food for thought for me. Deal with the dog one first, it’ll be the biggest life enhancer
    Thank you and Happy NY. Re the dog. I might be away for 6 weeks (although probably not) so waiting to hear. If not I will prioritise the dog :)
    jwil wrote: »
    Happy New Diary and Happy New Year :)
    Thank you and Happy NY :)
    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 350/1000
    Buffer fund 100/100
    Debt Free (again) 25/07/2025
  • doingitanyway
    doingitanyway Posts: 10,560 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    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!!
    A win would be nice! Let's hope so :)
    Subscribed to your new diary DIA . So many achievable goals here .
    Look forward to the next stage of your journey :)
    I'll do my best AC :)
    beanielou wrote: »
    Happy shiny new diary.
    Thank you beanie :)
    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 350/1000
    Buffer fund 100/100
    Debt Free (again) 25/07/2025
  • doingitanyway
    doingitanyway Posts: 10,560 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Chrystal wrote: »
    Followed you over and subscribed to you new diary DIA.

    Goals sound fantastic :D, and I hope that 2020 brings everything you want. X
    Thanks Chrystal. I tried to find your diary too, but you don't have one? Happy New Year :)
    Ah ah! Found you and have subscribed!:j

    I love your series of '20' goals! I especially like the Techs. This is something I should seriously consider too!

    Have a good New Year's Eve DIA and all the best for 2020!:beer:
    x
    Thanks SSG58. I am such a luddite and I need to keep up. I even have a dumb phone ;)
    24ta wrote: »
    Love your goals
    Good luck with them, will follow
    Subscribed
    Thanks 24a. Tired to find your diary but you don't have one? Happy NY :)
    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 350/1000
    Buffer fund 100/100
    Debt Free (again) 25/07/2025
  • doingitanyway
    doingitanyway Posts: 10,560 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Happy New Year!

    So today is a quiet day, cleaning and organising.

    I also need to apply for a bursary.

    I'm trying a new recipe today. Completely vegan. Heard of jack fruit? Well I will be using it to make a Thai Red curry. Going to make a brown rice and adzuki bean side and I have sprouts galore as they were YS for pennies. So might roast them too. Crazily healthy. A good start and a kick in the face to cake ;)

    Yesterday my supper was dropped (have you ever done that?) because I eat balancing my plate and doing other things. So clear the dining room table today so it doesn't happen again!

    I do like a NY, full of hope and before things start to go a bit wrong...

    I am having an AF and NSD today. Need to get used to both as I've committed to 20 of these a month.

    I broke a glass teapot and instead of being upset I was glad as I had always hated the stained spout so why hadn't I decluttered it already? Today I am cleaning a cupboard and will search for items I can declutter.

    I'm sure you all having more exciting starts to the year than me, so enjoy :)
    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 350/1000
    Buffer fund 100/100
    Debt Free (again) 25/07/2025
  • mark55man
    mark55man Posts: 8,221 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    my vegan kids love jackfruit-as burgers, on pizzas - so your meal sounds amazing

    decluttering is good. There is a thread " https://forums.moneysavingexpert.com/discussion/6081729/2020-banish-the-clutter " if you want to commit to a certain target, but it is very active so lots of notifications. I have found freecycle (aka freegle) to be quite good. strangely its been better for me in decluttering by responding to "wanted" posts rather than anything I have offered, but we shall see
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • savingholmes
    savingholmes Posts: 29,130 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Some fab targets there. Wishing you all the best. I have signed up to 52 bags of decluttering to go in 2020.

    @Mark - I like the idea of wanted adverts - may look into that. I struggle with letting things go but respond well to others 'needs'
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.3K Equity 36.55%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
    (If took bigger lump sum = 62K or 48.6%)
    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 £5.1K updated 14/11/25
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