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Midlife Musings and Measurable Goals
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Kondoed the airing cupboard sounds good - and the cycling. FabAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/256 -
Sounds like you're going great guns DIA! Lots of frogs eaten, plenty of exercise and positivity. I think it's particularly nice to see you getting good use out of your bike now you have it sorted. I bet it's making a lovely difference to getting out and about while the weather is nice and public transport is a no-go.
I'd be interested to hear about your growing once you get going on it. I'd love to grow a few edible things (even just herbs) but I've got a long track record of neglecting plants/flowers so it'd need to be something super low maintenance and I suppose stuff that we'd actually use regularly. Hope it goes well!
How's your work going during this time of upheaval?Sealed Pot Challenge 075
Pay off by Xmas 2019 #02 - target £10,0006 -
There's gonna be sunshine all week 🌝. Plenty of time to carry on the garden tasks .
Regarding the squirrels DIA 🐿🐿. I've probably asked before, but did you actually find out exactly where they are getting in ? Just a thought . Have a good day all 🌝5 -
Thanks AC. The squirrels can get in from loads of paces as the fascias are rotted and I can't find someone decent to replace them. Will be keeping on gardening and will do windows at ground level while weather is on my sideanother_casualty said:There's gonna be sunshine all week 🌝. Plenty of time to carry on the garden tasks .
Regarding the squirrels DIA 🐿🐿. I've probably asked before, but did you actually find out exactly where they are getting in ? Just a thought . Have a good day all 🌝
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 3501000
Buffer fund 0/100
Debt Free (again) 25/0720255 -
Thanks Homegrown0Homegrown0 said:Sounds like you're going great guns DIA! Lots of frogs eaten, plenty of exercise and positivity. I think it's particularly nice to see you getting good use out of your bike now you have it sorted. I bet it's making a lovely difference to getting out and about while the weather is nice and public transport is a no-go.
I'd be interested to hear about your growing once you get going on it. I'd love to grow a few edible things (even just herbs) but I've got a long track record of neglecting plants/flowers so it'd need to be something super low maintenance and I suppose stuff that we'd actually use regularly. Hope it goes well!
How's your work going during this time of upheaval?
Fixing the bike was a good move. Really enjoying it and its a great help with no public transport.
Still waiting for my seeds. I also have a long track record of neglecting plants/flowers. I am choosing VERY EASY things to grow. Prepping the garden but will let you know when I get going.
Work wise? It could be better, but it has been lots worse. Strangely now the whole of the UK is struggling to WFH I am finding it easier. No idea why??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 3501000
Buffer fund 0/100
Debt Free (again) 25/0720255 -
I think it is the accumulation of all the small irritants that I encounter every day that deplete my energy. Just opening my cupboard and seeing everything at a glance and being able to glide open and closed as it isn’t stuffed full is calming. Anyway here are my small irritants dealt with today:
Lightbulb cord cleaned and nasty orange bulbs replaced for whiter ones in 2 rooms
Broken bath chain removed and binned
Cutlery all separated in different pots
Resolved an issue on my computer outstanding for 2 years. YAY

My tech confidence is growing so my next tech FROG will be to get going on FaceTime and make a FaceTime call as a friend living abroad has a birthday.
Ventured out and ended up buying L1ndt chocolate. Felt guilty…Came out of store and the food bank were collecting so gave them the chocolate. Disaster averted for me

Lovely flowers in my 1950s coffee pot with a stem in the sprout. Looks beautiful. The roses and alstromeira were reduced £9 of flowers for £3
MSE
And definitely essential
Checked an account I feared was overdrawn but no, £20 left. Phew!
Enjoyed the sunshine and even enjoyed talking with the checkout girl.
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 3501000
Buffer fund 0/100
Debt Free (again) 25/0720258 -
You're going from strength to strength DIA 😼
I'm mightily impressed about you tackling the computer issues . I find that those kind of things a pita🧻. Not sure if you have to check tariff on FaceTime .I think the only wrong thing in your latest post is buying the chocolate . Instead of keeping it, you gave it away . Oh well..😸4 -
Thanks AC. The food bank person said 'that'll be a nice treat for someone' so that made the wrench feel easier. Haha.another_casualty said:You're going from strength to strength DIA 😼
I'm mightily impressed about you tackling the computer issues . I find that those kind of things a pita🧻. Not sure if you have to check tariff on FaceTime .I think the only wrong thing in your latest post is buying the chocolate . Instead of keeping it, you gave it away . Oh well..😸
I thought FaceTime was free like Skype. Is it a tariff type thing?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 3501000
Buffer fund 0/100
Debt Free (again) 25/0720254 -
Not sure about the Skype thing DIA . If it was from one computer to another then no.
if it's from the phone , not sure . I'll google4 -
Thanks AC, I looked it up and it seemed to suggest if I FaceTime someone with an Apple product it was free?another_casualty said:Not sure about the Skype thing DIA . If it was from one computer to another then no.
if it's from the phone , not sure . I'll google
I will do it from my laptop to my friend who lives abroad who will use her phone...or she could receive the call on her laptop if one is free and the other is not?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 3501000
Buffer fund 0/100
Debt Free (again) 25/0720253
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