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Midlife Musings and Measurable Goals
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Sorry yesterday was low - it was at times for me too. It is hard in the current climate to stay upbeat. We can only do our best. I keep reminding myself that I am responsible for my circle of influence and that needs to be my focus not all the wider uncontrollables.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/257 -
Wise words from saving Holmes. Can you claim back part of your fuel bill based on home workingMortgage 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 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.7
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Thanks everyone
Yesterday was ok. I got a bit of work done so that is always good. Some cleaning, decluttering, ironing and general pottering. All the junk food thrown away and some old dried goods in the cupboard taking up space
I need to go to the PO, phone shop and the hardware shop but I might leave both until Monday or tomorrow and have another stay in day. That is 3 lots of contact so not looking forward to it.
Today I need to go out for some exercise or do an hour's gardening. Other than that the only thing I need to do is work so I will see where I get with that.
I've already got washing outside, made stuffed peppers and I've prepped my stir-fry for this evening.
Hoping my book arrives. I'm losing confidence and enthusiasm with my growing food skills whilst waiting for my seeds to arrive.
I can't believe another week is over.
Take care and stay safe reader.
Off to seize the dayIf 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 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720259 -
I am using lockdown to embrace wrinkled. I don’t think I have ironed since this started, meetings no longer happen and dh is working from home. This is me doing my bit for the environmentMortgage 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 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.8
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Sounds very productive. I did a bit of decluttering and shredding today too and a little of potting up seeds and sprouting potatoesAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/255 -
How are you today DIA?xFinally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”5 -
Seasidegal58 said:How are you today DIA?xIf 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 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720255 -
I feel much better today after a few meh days. Today I set my alarm for 6am, got up and got active.
Reuse
Rags made from an old towel
Declutter
Small ironing-board (Not used in 2 years!!)
Slippers
Old flowers
Cook
Chicken and veg curry
Clean
Patio and kitchen windows in and out
Living area floors
Dishes X2
Curtains and rugs washed and out drying
Organise
Plants watered
A good catchup with a friend and we have arranged to do the same every Sunday morning
The curtains are too long and have been for years. I keep saying I will send them away to be hemmed but in all honesty I can do them by hand. When they are dry I will hem and put back up.
Signed up to a different vegbox scheme after Riverford basically took the mickey with stale produce.
Weeding the garden and vintage Columbo this afternoon
What an exciting life I lead!
Hope everyone is having a good day.
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 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720256 -
All sounds great. Hope rain / storm forecast didn't /won't interfere with your plans.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/256 -
savingholmes said:All sounds great. Hope rain / storm forecast didn't /won't interfere with your plans.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 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720256
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