A Quick December Review

As usual I’ve got last month’s figures in brackets for comparison. I’ve got my Defined Benefits Pension in there based on twenty years worth of money if I start drawing it at 60. I track how I’m doing with my mortgage balance compared to my AVC balance. The reason for this is that I made a decision to mostly stop overpaying my mortgage. Instead I use that extra money to put more into my AVC fund. So hopefully I’ll start to see my AVC fund increase in value and more slowly my mortgage balance come down until they meet at some point and I have enough in my AVC fund to clear my mortgage when I retire. That’s the plan anyway.

I didn’t do an update for November. My laptop had finally died a death that even my home grown tech support couldn’t fix. I can’t complain too much as he managed to eek an extra year out of it for me before it gave up the ghost. I have finally got around to getting myself a new laptop so I am good to go again. I won’t bother doing my figures for November, but instead will just jump straight to December with October’s figures in brackets for comparison. Quite frankly as 2021 is done and dusted now it seems a bit pointless to do a double month update.

Debts

Mortgage £89,423.23 (£90,408.16)

Assets

Cash £27,620.56 (£28,252.00)

Defined Benefits £137,586 (£137,586)

AVC’s £18,246.40 (£16,754.95)

Shares £82,183.43 (£80,026.26)  

House £269,000 (£269,000) 

Total £534,636.39 (£531,619.21)

Net Worth including house equity

£534,636.39 – £89,423.23 = £445,213.16 (£441,211.05)

AVC Fund vs Mortgage Balance

£18,246.40 – £89,423.23 = -£71,176.83 (-£73,653.21)

I’m happy with those figures. My shares and AVC fund combined have gone over the £100k mark for the first time, which is lovely to see. The next step is to get the shares alone to £100k as the AVC fund is allocated to pay off my mortgage when I stop working.

My cash amount has gone down a little, but not nearly as much as I expected it to. Two years after a flood from the ensuite into the kitchen I finally have a working ensuite bathroom again. It is absolutely fabulous, and I am so happy that I got it done. I had allocated money from my savings for the work, but at the last minute my parents transferred a chunk of money over to me to pay for the majority of the work. I was really surprised and absolutely delighted. Their thinking is I might as well have some money from my inheritance now rather than waiting until they kick the bucket, hopefully many years down the line. I also bought a new laptop, but didn’t spend a fortune on that.

Having dropped quite a bit last month, my share figures are looking nice and healthy again. I’m definitely going in the right direction. On paper my budgets don’t really work, so I’m not quite sure how I’m managing to keep investing the amount that I do. I guess Covid can have some financial advantages as I’m still not doing all that much that involves spending money. I’m not sure quite how sustainable my investing level is longer term, but I’ll keep going as long as I can.

I have booked a weekend away to York for myself and my folks for later in the year, which was expensive, but should be a great trip away and worth the money. I’ve also booked a ticket to go and see the Scotland’s Strongest Man competition in the summer. Again I’m trying to have some events in the diary so I have things to look forward to. Crucial in these continued strange times.

In terms of how I got on in the latter part of the year, it was probably a bit of a mixed bag. I got back on the phone at work speaking to customers again and remembered that there’s lots of parts of my job that I do actually like. Although I’d much rather be at FIRE and able to fill my days with activities of my choice, actually what I’m doing in my day job can actually be quite fun at times. I’ve managed to deal with my anxiety and start actually living my life again, rather than just surviving. That’s been a bit of an adjustment after purely focussing on my mental health for a good few months there. It’s good to get a bit more balance in my life even if it sometimes feels a little overwhelming getting back in the thick of things.

I just read back my October review and saw that my running was going really badly and my eating was in a great place. I have to say that’s totally reversed now. I’m loving my running and am doing plenty of it. My eating on the other hand is not in quite such a good place. You know though, Christmas!! I’ll really need to get back to a place of healthy eating again, but as I have my folks here for a week on holiday it’s not really happening just now.

In January I want to continue to focus on my running. I have a half marathon in March and a full marathon in May. The half is easy enough, but I’ve only done one full marathon before and it was a bit of a disaster. I’m determined to do better this time. I’ve found a training plan that I’m happy with and I start it next week. In the meantime I’m running plenty and building a really solid base of fitness. I just need to stay injury free, get plenty of sleep and sort out my diet again.

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I’ve got another trip to Cambridge this month to deposit the eldest back to uni. That will allow dad and I to do the final parkrun in Cambridge itself. I’ve got a bit of a plan put together for parkruns this year. I should hit 100 parkruns in total around easter time and am going to almost be there with the A-Z challenge. You have to go abroad for a Z, but I should have the UK ones done this year. The fact that I have got my parents a trip to York with me as their Christmas present is completely coincidental. And the fact that we will be there on a Saturday morning and dad and I will be able to collect a Y parkrun is neither here nor there!

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I think that will be enough for January. A trip to Cambridge, start my marathon training plan and get my eating sorted and my weight back to  where it usually is. I also want to finish unit 6 of the Spanish Duolingo course. That should be enough to keep my out of mischief for now.

Goals Vs Habits

First up I need to declare a bit of a vested interest. I absolutely love goals. I love everything about them. The thinking about what you want to change, deciding to make a fresh start, working towards your goals and then that wonderful buzz that you get when you achieve them. Goals are kind of my thing. I’m not quite sure how people get out of bed in the morning without knowing that they have goals they’re working towards. One of my favourite books is “Goals! How To Get Everything You Want – Faster Than You Ever Though Possible” by Brian Tracy. I’ve lost count of the number of times that I’ve read that book. It inspires me every time I even think about reading it again.

I used to work in sales and I loved having targets. If I didn’t know what I was supposed to achieve then I didn’t feel like I had a reason to go to work. Working in financial services things changed a bit and you were no longer allowed to have targets. Rightly so you should be providing what’s right for the customer. The thing is though that if sales is done right the customer gets what’s right for them and you hit your quota. If I wasn’t given a target then I would just set one for myself.

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As well as targets at work I’ve always set myself goals to work on in my private life. I’m constantly working on my weight, exercise, sleep, studying languages, you name it really. I’m good at achieving goals if I really set my mind to it. My problem has never really been around not being able to hit goals, but rather in deciding what I wanted to work towards. Once I had something in mind then I would do everything in my power to achieve that goal.

There’s been a number of times in my life where I’ve had some pretty audacious goals. When I was in my early twenties I decided that I wanted to go and live and work in Spain. I had just graduated, had a load of debt, no idea how to earn a living over there and I didn’t speak a word of Spanish. Within two years I’d paid all my debts off, had been to night classes to learn enough Spanish to get by and I had been on a two week course to learn how to teach English as a foreign language. Next thing I knew I was over in Spain living my dream.

Another goal that I set myself was around the house that I lived in. After getting divorced I found myself having to start again financially with a two and three year old in tow. The family home got sold and I had to downsize to what I could afford on part time wages with child care thrown into the mix. I made a lovely home for the three of us, and we lived in that house for eleven years. I always knew I wanted something better though. I overpaid my mortgage, scrimped and saved and invested money that was to be allocated for the next home. Four years ago I managed to move us to a much bigger house, with plenty of room for the kids to come back to stay after they’ve flown the nest. It also gives me the option to have my folks come to live with me if needs be in the future. This was a really important goal for me, but not one that could be achieved quickly or easily. I learnt the value of patience whilst working towards this goal.

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Whilst researching financial planning I discovered the FIRE movement which then gave me my biggest goal ever to shoot for. On the face of it I wasn’t the ideal candidate for FIRE. I was in my late forties by the time I discovered it. I was in a position where I honestly thought I could never retire. All my planning had been around surviving month to month and trying to improve our living situation. Every time I thought about retirement and pensions I would feel incredibly stressed and that there was nothing I could do about my situation. In just a few years I’ve gone from that point to knowing that I can definitely retire at sixty, probably on more disposable income than I’ve ever had before, and with it looking pretty likely that I’ll be able to afford to go part time in four years time when I hit 55. That’s quite a turnaround.

The way I’ve been able to work my way towards FIRE is with goal setting. I’ve looked at how much I need to have invested to be able to stop working. As time has gone on I’ve adjusted these goals, and decided that I wanted to have a bit more money in retirement to be able to travel when I want to. My goals have changed as a result and I’m definitely on track to achieve everything that I want to. No doubt there will be plenty more adjustments to make over the next nine years, but staying flexible in the face of new information is one of the things I love about goal setting.

As I’m such a big fan of goal setting I’m not sure why I’d need any other way to work towards change. Then I read James Clear’s book “Atomic Habits: An Easy & Proven Way To Build Good Habits & Break Bad Ones”. That was a bit of a game changer for me. I am all about habits and routines, probably more than is good for me, but this showed me the benefits of the way that I have naturally organised my life. I already have so many habits that have developed naturally over time, lots of them good, but plenty of them not quite so beneficial.

I tried to think about all of the habits that I have. I’m sure I have missed a lot, but some of them include

  • Weighing myself every day
  • Doing physio exercises for my neck in the shower daily
  • Making my bed every morning
  • Having the same porridge with raisins and chia seeds breakfast
  • Strength exercises to help with my running
  • Meditating
  • Having a fruit and yoghurt morning snack
  • Drying down the shower to stop mould developing
  • Studying Spanish on Duolingo (900 days and counting)
  • Running
  • Eating a bowl of branflakes after work
  • Taking part in parkrun every Saturday that I’m not working
  • Speaking to my folks every Sunday

Quite frankly the list could go on and on. I am clearly a creature of habit. If I’m brutally honest I’ve always thought that this is a bad thing about myself. I’m stuck in my ways, I’m not good with change and I don’t like to deviate from my norm. After reading James Clear though I’ve started to view things a little bit differently. I’ve realised that a lot of the habits I have in place are really good ones. As I do the same things at the same time every day I don’t have to think about them. I’ve been doing my physio exercises for my neck for about fifteen years since I had a trapped nerve. I don’t give it any thought. I’m in the shower and I do my exercises. I’m pretty sure if I had to make myself do those exercises it wouldn’t happen, but as it is no will power whatsoever is requited. Similarly if it’s 9.30 on a Saturday (9am in England) and I’m not at work I’ll be in a park somewhere lining up to run 5k. No needing to make myself go out for a run. It’s a non negotiable in my life. Saturdays are parkrun days.

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I’ve realised that a lot of the things I do in my life are because of how I view myself. I don’t run for exercise or because it’s good for me, I run because I’m a runner (and I like to eat). I realised recently that I’d stopped viewing myself as a healthy person, and as a result my eating habits had got pretty bad. I’d put on weight and I was generally eating a pretty poor diet. I had a word with myself, remembered that I’m health conscious and started to buy more healthy tasty food. As a result I’ve dropped half a stone without really trying. My new mantra is that I’m eating for health not for weight. It’s all about making consistently healthy lifestyle choices. And a lot of that is all about automating my choices. Not having chocolate in the house, but instead plenty of fruit and veg.

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I think for me probably a combination of goals and habits works quite well. I really enjoy the whole thing of setting goals and seeing myself making progress towards them. In all honesty though every time I achieve a goal it’s because I’ve implemented good habits. My most recent habit I’ve introduced is meditation. I’ve always thought it wasn’t really active enough for me and that it wouldn’t suit me. After my recent mental health struggles though I was willing to give anything a go. Of course I set myself a goal around this of completing all the Headspace beginner courses. I’m well on track to achieve that, but I think that’s probably because I’ve instigated a habit of meditating every morning after breakfast and before I start work. So for me I think I probably need the dopamine hit of ticking things off my To Do list whilst working towards my goals, but it’s the habits that I implement that are going to get me to where I want to be.

More Treat Than Trick For Me This October

As usual I’ve got last month’s figures in brackets for comparison. I’ve got my Defined Benefits Pension in there based on twenty years worth of money if I start drawing it at 60. I track how I’m doing with my mortgage balance compared to my AVC balance. The reason for this is that I made a decision to mostly stop overpaying my mortgage. Instead I use that extra money to put more into my AVC fund. So hopefully I’ll start to see my AVC fund increase in value and more slowly my mortgage balance come down until they meet at some point and I have enough in my AVC fund to clear my mortgage when I retire. That’s the plan anyway.

Debts

Mortgage £90,408.16 (£90,900.44)

Assets

Cash £28,252.00 (£28,202.74)

Defined Benefits £137,586 (£137,586)

AVC’s £16,754.95 (£15,346.81)

Shares £80,026.26 (£73,460.94)

House £269,000 (£269,000)

Total £531,619.21 (£523,596.49)

Net Worth including house equity

£531,619.21 – £90,408.16 = £441,211.05 (£432,696.05)

AVC Fund vs Mortgage Balance

£16,754.95 – £90,408.16 = -£73,653.21 (-£75,553.63)

That’s a very pleasing set of figures. The markets very kindly did a big jump up just as I was working my monthly figures out. I’m very happy with that increase in the value of my shares. Of course since then the work share price has dropped again a bit, so next month’s figures might not be quite so impressive. For now though I’m happy with the increase. Nice to see the chunk of money that I put in from dividends and the sale of some of the work shares doing so well.

I always like to have arbitrary targets to aim for, just to break up the monotony of striving for FIRE. There’s a few coming up that I have in my sights. My mortgage will duck under £90k next month. Still far too high for me to feel complacent about, but I can see my plan working of paying into my AVC fund rather than overpaying my mortgage. Saying that, all this talk of increasing interest rates is making me somewhat jittery, but in the grand scheme of things rates are not likely to change enough for me to adjust my strategy. Investment wise I’ve got £45k in my Vanguard account, and it will be nice to see that hit £50k. And when I combine my shares and AVC fund I’m just shy of £97k. It will be lovely to hit £100k as psychologically that is such a big barrier. A few things there for me to reach in the hopefully not too distant future.

I didn’t set myself any goals for October and I’m going to continue in that vein for November too. I’ve got an ongoing battle with my mental health, which is taking all my focus for now. I made some really good progress this month, returning to work on a phased return. I’m back to full time hours from next week and and back on the phones then too speaking to customers again. It’s been a bit of a bumpy ride getting back to work, but it’s an important step in me learning to live with this anxiety for the time being until I hopefully get back on a bit more of an even keel.

The main thing want to focus on is my health again. The positive that I can take from the difficulties I’ve been having is that I am really drilling down on what is important for my health. I’ve talked a fair bit over the last few years about how important I feel sleep is for our health. That belief hasn’t always translated into me actually going to bed early, but I certainly have recognised how much better I feel when I get more sleep. Getting enough sleep is no longer an optional extra for me. A combination of my feelings and the medication I’m taking are making me absolutely exhausted. It gets to 8.00 and I’m thinking “how soon can I go to bed?” I’m sure I won’t always feel like this, but for now sleep is absolutely crucial for me. I use a sleep tracker and during October there were only four nights where I didn’t get at least eight hours sleep. I’m still exhausted all the time, but at least I’m giving my body the best possible chance to deal with everything that is going on.

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Similarly my eating is going really well. Again this is something I have repeatedly set myself goals around. My weight has fluctuated my entire life, and whilst most people would say I was slim and not notice when I put weight on, for me it’s been a big issue. For now I am not beating myself up about what I eat, but I am focussing on eating plenty of fruit and veg and avoiding sweet food. Without really trying I have lost a reasonable amount of weight. I’m only a couple of pounds away from the lowest my weight ever goes. I feel trim and most importantly it’s not feeling like a struggle. I didn’t consciously set out to lose weight. It sounds ridiculous, but I just started buying more nice healthy food and stopped buying myself sweet treats. We’ll see if I can keep this up once I’m back to dealing with customers all day long and working full time hours. I’m quietly confident. It feels like something has changed. I’m eating for my health rather than for my weight. Of course it could just be stress and the medications causing me to lose weight, but hopefully not.

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My running on the other hand is not going so great. I’m still going out, but only for 3 or 4 miles at a time. Since I went on Prozac I don’t seem to be able to run to save my life. My legs feel sluggish and the anxiety is causing me difficulties in regulating my breathing. It seems unbelievable that I managed to pull the Great North Run out of the bag just back in September. I’m not going to worry too much about this. I don’t have any races until May. I’m treating running as a form of therapy just now. My fabulous running friends (well, you know they are actual friends but we met through running and it’s our favourite thing to do together) are making sure that I get out so that I get some exercise and chat about how I’m feeling. They really are outstanding.

I’ve got a couple of trips out this month. I’m through to Edinburgh with one of the kids for a symphony concert and I also have some comedy to go to with a night out to see Chris Ramsey with one of my friends. It’s nice to have a couple of things to look forward to, and I might even get my favourite boots re-heeled, and possibly even my first haircut in over a year. I’m hoping that’s a sign that I’m starting to feel a bit better and ready to start participating in the world again. Here’s hoping!

Mental Health Maelstrom

This is going to be hard to write. I’m not someone who likes to talk about how they feel. I’m a grit your teeth and get on with it sort of girl. Even I have come to recognise that is not always the best way to deal with things though. Mental health is talked about everywhere now it seems. Somehow though that doesn’t make it any easier to talk about when it’s you that’s struggling. Here goes though.

I’ve just gone back to work this week after seven weeks off with stress. I’m taking Prozac, and when I need them beta blockers to help with the anxiety. I’ve had weeks where I’ve been unable to move off the couch and have slept for days at a time. I’ve been sat watching telly feeling unbearably anxious, and thinking to myself “What am I worrying about, I’m just sat in my lounge and I don’t have to do anything?” Being logical about it has made absolutely no difference though. Turns out you can’t reason your way out of mental health issues.

If I’m being brutally honest then I’ve been feeling like this for a long time, I just hadn’t acknowledged to myself and certainly not to anybody else how I was feeling. Everything built up until I realised that I just wasn’t able to cope any more. There was no massive melt down, just a realisation that I couldn’t go on for a second longer with things as they were.

From the reading that I’ve been doing it sounds like I got lucky with my doctor. I hardly had to say anything to her and she seemed to know exactly how I was feeling. She realised how reluctant I was to take medication, so she took me down that route very slowly over a number of weeks. As I’m a woman of a certain age, then inevitably the M word came up. Who knew the menopause could have such far reaching consequences? The jury is still out on if that’s what’s causing my anxiety, so for now I’m resisting HRT, but it’s good to know it’s there if I decide I need it. You’ve got to love a doctor who suggests you watch a Davina McCall documentary on the menopause as part of your research.

The good news is that I’m starting to feel a bit better. I have good days and bad days, but thankfully I think the good days are starting to dominate. I have some strategies for coping when it all becomes too much for me. Deep breathing is my friend, and as always YouTube has been invaluable for finding suitable relaxation exercises. The brain fog and memory issues are starting to diminish, just as the doctor promised taking the Prozac would do. I no longer worry that I’m getting early onset dementia as a result of the ridiculous memory lapses. Other random things have also disappeared, like being convinced I was going to get run over crossing a road when I was out running. It was like a light bulb going off when I read a list of symptoms of stress. Tick, tick, tick, I think I pretty much had them all.

My checking of my spreadsheets had got beyond a joke. I didn’t feel like I could keep working for a second longer, I just didn’t have it in me. I’d like to say that my emergency fund and my investments gave me peace of mind that I could just walk away, but honestly that’s not how it worked for me. I knew how far from FIRE I was and what the implications of walking away nine years early would be. I’m hoping that I can get a slightly better balance in my life. I am still absolutely working towards FIRE, but I’ve realised that I also need to live my life. FIRE isn’t going to solve all of my problems, and I shouldn’t expect it to.

So what’s next for me? I’m on a phased return to work, building up over the next three weeks to full time hours. Work have been great with me and I’m taking things very slowly whilst I get back in the swing of things. I’m going to try and be a bit more relaxed, in particular about work. I’m going to prioritise my health. Getting enough sleep, eating well and exercising are going to be crucial to get me though this I think. As is the help of good friends, which I’ve discovered I’m very blessed with. It’s so true that it’s when things go wrong that you discover who’s really there for you.

Struggling like this has given a new found appreciation of how difficult these issues can be to deal with. Although I knew logically that mental health wasn’t something you could control, I didn’t properly understand that until it happened to me. Hopefully this will make me more understanding and better able to support the people in my life who have difficulties with their mental health. It’s a tough way to learn to be more empathetic, but at least that’s something positive that I can take away from this whole experience.

Running the Great North Run and September Net Worth

As usual I’ve got last month’s figures in brackets for comparison. I’ve got my Defined Benefits Pension in there based on twenty years worth of money if I start drawing it at 60. I track how I’m doing with my mortgage balance compared to my AVC balance. The reason for this is that I made a decision to mostly stop overpaying my mortgage. Instead I use that extra money to put more into my AVC fund. So hopefully I’ll start to see my AVC fund increase in value and more slowly my mortgage balance come down until they meet at some point and I have enough in my AVC fund to clear my mortgage when I retire. That’s the plan anyway.

Debts

Mortgage £90,900.44 (£91,392.92)

Assets

Cash £28,202.74 (£29,026.93)

Defined Benefits £137,586 (£130,653.60)

AVC’s £15,346.81 (£15,431.04)

Shares £73,460.94 (£71,318.81)

House £269,000 (£269,000)

Total £523,596.49 (£515,430.38)

Net Worth including house equity

£523,596.49 – £90,900.44 = £432,696.05 (£424,037.46)

AVC Fund vs Mortgage Balance

£15,346.81 – £90,900.44 = -£75,553.63 (-£75,961.88)

There’s a few things to say about these figures. I received some dividends on my work shares which I reinvested in index trackers. I also finally bit the bullet and sold a chunk of my work shares and reinvested the money in my Vanguard account. Work does a share match scheme which I’ve been doing since it was introduced years ago. If you keep them for five years you get free shares and they are tax and NI free. I sold about £4k worth, which was all of them which I could get rid of without having any tax and NI implications. The cost to sell is on a percentage basis as you’d expect, with a minimum charge of £20, so selling this many made sense as it cost me the same to sell this many as it would have done to get rid of a smaller amount. Also the amount I then put into my Stocks and Shares ISA means that by the end of the tax year I will have filled my tax free allowance. Happy days.

I topped up both the dividend money and the share sale cash with some money from my current account so it was a nice round figure I was putting in. As a result my cash amount is down slightly, but with more than enough there for an emergency buffer. I’ve still got too many work shares, but it certainly feels good to have made a start on diversifying. I’ll not be doing any more this tax year, but the plan it to repeat this process in subsequent years. I have one load of the work shares in a S&S ISA, which I might keep just in case they go back to their old levels, but the plan is to keep moving more over to my Vanguard account. We’ll see what happens to the markets, but I’m reasonably happy with my timing of this shuffling around. The work share price was not too bad, and as we know the markets generally are pretty rubbish, so hopefully I’ve bought index trackers whilst they were on sale. Time will tell, but either way I’m happy with the strategy.

My annual statement is out for my Defined Benefits pension and so my annual amount that I’ve accrued has increased. This is now reflecting in my figures above. It’s nice to see it increasing, but frankly it’s slow progress. I’ve only got 9 years to go until my official retirement age, but they really seem to penalise you if you go early. I’m sure there’s some jiggery pokery I can do nearer the time with going part time if I can afford it to keep me hanging on right till the bitter end.

Not much else to say I don’t think. Things are just plodding on, mostly in the right direction. My AVC fund is slightly down, which is annoying, but in the grand scheme of things not the end of the world. Everything is taking a long time to get to where I want them to be, but I think I just need to get used to that fact.

I didn’t really set myself any goals for September. I wanted to complete the Great North Run and try and sort my mental health out, which has taken a bit of a battering. I did complete the Great North Run. I had a fantastic day and was really pleased with my time. I was aiming for around 2 and a half hours, and I managed to sneak under 2 hours 10 minutes. It wasn’t a PB, but I felt really strong and I absolutely loved it. It was strange not finishing in South Shields due to a Covid forced change of route, but it was brilliant getting to run over the Tyne Bridge twice and running through Newcastle city centre was really special. The consensus seemed to be that it was a harder course than normal due to the amount of hills at the end. It was very hilly, but I have to say I really enjoyed it. The support was brilliant as always and I managed to spot family and friends out on the course who had come out to support me. I’m already signed up for next year.

Photo by Mike on Pexels.com

As far as my mental health is concerned, that’s still a work in progress. We’re living in strange times, and I am finding that increasingly difficult to deal with. Things are not terrible, but they’re not great either. Hopefully I will start to feel better soon. In the meantime I’m incredibly grateful for the support of my family and friends. It’s really true that it’s when things are tough you find out who’s really there for you. Having never really had to deal with mental health issues before I’m gaining an appreciation of what so many people have to live with.

Now is not the time for me to be setting goals for myself. I’m trying to eat healthy foods, I’m sleeping loads and I’m trying to get out running a couple of times a week. I’m learning a bit of Russian in a half hearted fashion and spending time with my youngest before he goes off to uni next year. That’s enough for now. I will get back to smashing my goals, but for the rest of 2021 health is the priority and not putting any unnecessary stress on myself.

Walking, Running and Steam Train Travelling My Way Through My 60 for 60 List

When I turned 50 last year I set myself up a list of things I wanted to achieve by the time I was 60. I tried to put a mixture of things on there. So there’s some FIRE goals, plenty of running related things and a good sprinkling of travel adventures in there. The challenge was always going to be balancing reaching FIRE with paying for these experiences. Luckily I have pretty frugal tastes, so a lot of the things on my list are either free or pretty cheap. Not so much the travel ones, but I’m hopeful I can get those done without breaking the bank.

It’s been a year since I first wrote my list, so it’s time to do an update on how I’m getting on with ticking things off. This was always going to be a fluid list. Ten years is quite a long time, and I’ve no interest in ticking something off a list that I’m no longer interested in doing. I imagine as time passes it will become obvious that I’m not going to get to some of the things on the list, either because of money or just running out of time. That’s where the 70 for 70 list that I’m already mentally planning comes in!

By my ready reckoning with 60 things to do in ten years I need to be something every two months to be on track. This really wasn’t possible during lockdown, so I had some catching up to do. Of course there are some things that I’m working on that will take years to complete, and it’s just a question of keep plugging away.

Here’s my updated list showing what I’ve done and replacing some original goals with new ones.

  1. Vogrie parkrun DONE A lovely run in a gorgeous setting, and with the bonus of getting me a V for my parkrun alphabet challenge.
  2. South Shields parkrun
  3. Gibside parkrun Whinlatter parkrun. Sadly Gibside parkrun didn’t return after lockdown, but Whinlatter in the Lake District is supposed to be equally beautiful and just as brutal.
  4. Run a marathon (Again, but made a better job of it than I did last time) I have signed up for the Stirling marathon. It was supposed to be in October, but Covid has forced a delay until May next year. That gives my plenty of time for training. Yikes!
  5. Do an ultra
  6. Do a triathlon
  7. Become a parkrun tourist DONE
  8. Do parkrun A-Z I’m getting there. I still need an A, I, Q,R,U,Y and Z. I have a plan for all of those.
  9. Do the Granada half marathon
  10. Do 100 parkruns I’ve done 81 parkruns in total now, so I’m well on my way.
  11. Do 250 parkruns
  12. Volunteer 25 times at parkrun
  13. Run the Road to the Isles half marathon
  14. Do the Kielder Dark Skies run
  15. Do the Chariots of Fire race
  16. Do a parkrun abroad Probably combine this one with getting a Z for my alphabet challenge.
  17. Walk up Arthur’s Seat
  18. Walk the West Highland Way
  19. Cycle around Loch Leven
  20. Run the Loch Leven half marathon
  21. Learn a ballroom dance
  22. Finish the Duolingo Spanish tree I’m making very slow progress on this one.
  23. Write a book
  24. Do some volunteering
  25. Become mortgage neutral DONE. I don’t even think about this any more, but I was so happy to achieve this.
  26. Get my AVC fund to £50k
  27. Get my Equities fund to £125k
  28. Pay off my mortgage
  29. Go part time at work
  30. Retire
  31. Learn to do the 3×3 cube without notes (again, and don’t forget how to do it this time)
  32. Do the cube in under 1 minute 30 seconds
  33. Climb Ben Nevis The plan is to do this next summer with my brother and sister.
  34. Climb Scafell DONE. I did this over the summer with my brother and sister. Absolutely loved it.
  35. Climb Snowden Same as Ben Nevis, we’re planning to do this next summer
  36. Get the en suite done Dull, dull, dull. Don’t know what I was thinking with 36-39. Swim in a waterfall is the much more exciting replacement. I did a taster session on wild water swimming earlier in the year and I really loved it.
  37. Get the kitchen done Go wild camping. I’m starting to put together a lighweight camping kit as all my stuff is fine for camping with a car, but a bit heavy for hiking to beautiful spots. That’s my next few birthday and christmas presents sorted!
  38. Get the bathroom done Hike the Hadrians Wall walk. My sister and I are going to do this. We walked part of it in the summer, but it would be great to do the whole thing, and the plan is to wild camp to keep the costs down and kill two birds with one stone in terms of me ticking things off my list. We’re currently thinking the summer of 2023 for this one.
  39. Get new carpets Walk around Kielder reservoir. DONE. I did this over the summer with my brother and sister. I absolutely loved doing this. The 26 miles almost finished me off, but it was such a great walk.
  40. Go to Italy
  41. Visit Copenhagen
  42. Go to Russia This is in the planning stages just now. I’m hoping to go there next year with the kids. I originally was thinking that an organised tour would be a good idea as Russia just seems so unknown. Looking at the prices though I quickly decided against that. The current thinking is go for a week, splitting our time between Moscow and St Petersburg. We’re all trying to learn a bit of Russian just now. My older brain is taking a while to absorb the alphabet, but I love the sound of the language, so it would be great to be able to speak it a bit.
  43. Go back to Cuba
  44. Do a tour of the Scottish Islands
  45. Go camping in Europe
  46. Go to the Alhambra in Granada (again, but I love it there)
  47. Go to the German Christmas markets in Germany rather than Edinburgh
  48. Do a trip in a campervan
  49. Go to San Sebastián
  50. Go to Cyprus Swim in a tidal pool. We have a few in Fife and they look fantastic.
  51. Go to Canada
  52. See the Northern Lights
  53. Have a trip on the Jacobite Express DONE. The folks and I had a trip to Fort William earlier this year. The Harry Potter train most definitely did not disappoint. Fantastic scenery, and the whole day was just perfect.
  54. Stay in a wigwam
  55. Go white water rafting
  56. Watch the Graham Norton show being filmed
  57. Go out for a really good breakfast
  58. Go to a TEDx event
  59. Visit London
  60. Go to Gairloch and my favourite ever campsite DONE. I managed four days camping there during the summer. It was so great to be back and it’s just as beautiful as I remembered.
Photo by Gantas Vaiu010diulu0117nas on Pexels.com

I’m very happy with what I’ve managed to get done over the last year or so. I’ve ticked seven things off my list, so am right on track for getting everything done by the time I’m sixty. Of course all the expensive stuff is still to do, but I’ll worry about that a bit further down the line. Worse case scenario I might need to shift some things to my 70 for 70 list when that gets up and running.

August Review

It’s time to see how I got on in August, both in terms of my money and working on my goals.

As usual I’ve got last month’s figures in brackets for comparison. I’ve got my Defined Benefits Pension in there based on twenty years worth of money if I start drawing it at 60. I track how I’m doing with my mortgage balance compared to my AVC balance. The reason for this is that I made a decision to mostly stop overpaying my mortgage. Instead I used that extra money to put more into my AVC fund. So hopefully I’ll start to see my AVC fund increase in value and more slowly my mortgage balance come down until they meet at some point and I have enough in my AVC fund to clear my mortgage when I retire. That’s the plan anyway.

Debts

Mortgage £91,392.92 (£91,885.11)

Assets

Cash £29,026.93 (£34,725.71)

Defined Benefits Pension £130,653.60 (£130,653.60)

AVC’s £15,431.04 (£14,534.87)

Shares £71,318.81 (£66,050)

House £269,000 (£250,000)

Total £515,430.38 (£495,964.18)

Net Worth including house equity

£515,430.38 – £91,392.92 = £424,037.46 (£404,079.07)

AVC Fund vs Mortgage Balance

£15,431.04 – £91,392.92 = -£75,961.88 (-£77,350.24)

A couple of things to talk about in those figures. I took £6k out of my savings and put them in my Vanguard Stocks and Shares ISA. As a single parent I really like having a good chunk of money in the bank “just in case”. I figured £29k in savings is probably still enough to let me sleep at night, but has a bit more of my money working harder for me. Definitely a good decision, but I think that’s probably as far as I’m prepared to go for now.

Putting that extra money into my Vanguard account has the added advantage that I now have more money in index trackers than I do in work shares. I still have far too many of those shares, but at least I’m going in the right direction. My plan is to sell about £4k worth of the works shares before the end of the tax year to max out my ISA for the year. I’m going to try and wait for the share price to hopefully go up a bit, but no matter what I think I’ll stick to that plan. Considering only 18 months ago I only had £650 in my Vanguard account and everything else was in my work shares, I’m pretty pleased with my progress. Of course I’ve not actually bitten the bullet yet and sold any shares, but I will.

I’ve put a higher house value in there this month. It’s just based on a Zoopla figure, so I’m not sure quite how accurate it would be. It doesn’t really matter anyway as I’m not planning on selling any time soon, and although I include my figures with the house equity in there, it’s not really something I’m particularly focussed on.

Let’s move on now and see how I got on with working on the goals I set myself. Here’s a quick reminder of what I was working on.

  • Do at least one 13 mile training run. DONE. I managed a 14 mile run last weekend. It was only supposed to be 13, but I got lost in the woods and ended up running a different route to what I expected. I managed to keep going till I found my way home and was happy to get 14 miles in the bag.
  • Get down to ten and a half stone. FAIL. I’m actually back up at 11 stone again. This is a bit of a recurring pattern for me. It is what it is.
  • Get at least seven and a half hours sleep a night at least five nights a week. PASS. I’ve really made sure that I focussed on this. I just need to keep this going now.
  • Climb Scafell Pike. PASS. I loved, loved, loved this. It felt relatively easy, which was great, but still felt like a great achievement.
Photo by Eric Sanman on Pexels.com

I’ve done well with my goals this month. I’m not setting any goals for September. My mental health has taken a bit of a battering recently. It’s certainly strange times that we’re living in, and work is also proving incredibly stressful. I’m normally pretty resilient, but I think it’s fair to say things have been getting too much for me for a while now. There’s only so long you can just plough on pretending everything is ok. I’ve finally been to the doctors and have got some help in the form of a prescription and a bit of time off work. I’m hoping I’ll start feeling a bit more like my usual self quite soon, but in the meantime I’m going to hunker down, get myself in a better place and be a bit nice to myself. The only thing I want to achieve this month is getting the Great North Run done and getting myself in a better head space. If I can manage that then I’ll be happy.

My Perfect Day

I joined a new team a little while ago. The first meeting we had together the boss did a little getting to know you all session. He asked us all what our perfect day was. Quite a few people said their wedding day, or the day they had their children. I’ve been married twice and divorced just as often, so whilst I had a really nice time on both my wedding days, I definitely wouldn’t say they were my best days ever. The days I had my fabulous children. Er, no. Maybe if I was a father that might be the case. As the woman having to get a child out of my body I would most definitely say I’ve had few worst days, and definitely had better ones. I remember the day I had my youngest my mum came to visit me. She asked me how it was and I just looked at her. “That bad?” she said. “He’s worth it though isn’t he?” “Not yet he isn’t” I replied. Both of them most definitely are worth it now, but the actually giving birth days themselves have to be as far away from perfect as it’s possible to be.

Photo by Jeremy Wong on Pexels.com

It got me thinking about what my perfect day would be. I realised that for me it’s not necessarily about the momentous days, the ones you’re supposed to remember as perfect. In the end I settled on two days that were vying for the title of perfect day. They were both quite different, but had a fair number of common factors. In both of them I was abroad on holiday, the sun was shining (although not all the time) and on both of the days I was spending time with a good friend. I’ll tell you about the first Perfect Day, and maybe I’ll write about the other one another time.

My first version of my perfect day is set in Havana. I had a holiday in Cuba a few years ago. We went to celebrate my friend’s 50th birthday. We’d both wanted to go to Cuba for ages, so this seemed like a fitting excuse to finally get over there. We were renting rooms in a Cuban home, under the Casa Particular scheme, which is Cuba’s equivalent of Airbnb. We were staying right in the centre of Havana, and it was like being in a different world. The poverty was overwhelming, but then so was the zest for life evident everywhere. People were playing dominoes out in the street, the bars were full of real characters and everybody wanted to talk to you to share their story and find out about you.

This particular day started with me waking up really early. Even jet lag can have its place in a perfect day. I put my running stuff on and at 5am I quietly let myself out of the big wooden door and into the street. I ran down the hill towards the malecón where people were already out and about getting their days started. I ran along the seafront, passing fishermen, couples strolling hand in hand and plenty of other runners. Even at that time in the morning it was already starting to warm up. Any later and it would have been far to hot for me to contemplate my five mile run. I ran past the capitol building and stopped for a selfie. Well, it would have been rude not to.

Photo by Alex Azabache on Pexels.com

Back at the room I got myself ready for the day ahead, with that feeling of satisfaction you get from having got some miles in your legs before other people have even made it out of bed. We then strolled into the centre of Havana for a fantastic breakfast. Can a perfect day really be perfect without a truly outstanding breakfast? Maybe, but luckily this one had a fantastic one that set us up for the day.

We decided to do an open top bus tour to get our bearings a little bit. The weather was doing that thing where it’s boiling, but rain is threatening. Not just a shower, but that really laugh out loud rain that you only really seem to get abroad. We got on the bus, made our way upstairs and settled down for a tour of Havana. Apparently health and safety is not really a thing in Cuba. Pretty soon we were having to duck for electrical cables, street signs and traffic lights. Then the rain started. Calling it rain doesn’t really do it justice. It was bouncing off the bus and we were immediately soaked to the skin. We were having so much fun that we didn’t go downstairs to the dry. We just laughed our way through the tour. When they got to the outskirts of Havana they were clearly running out of things of historical interest to point out. When they mentioned a supermarket that Fidel Castro used to frequent we pretty much dissolved into hysterics. Maybe you had to be there, but take it from me it was one of the highlights of the trip.

Photo by Aleksandar Pasaric on Pexels.com

By the time we got off the bus the sun was out again and we pretty soon dried out. Then we did one of our favourite things to do on holiday. We like to call in soaking up the atmosphere, but it could look like just walking around looking at buildings, people watching and stopping occasionally for refreshments. There’s certainly plenty to see in Havana. We sat in a little square for a rest. My friend disappeared off for a bit and came back with cake for us both which someone was selling from a cart. It was the best cake ever. And let’s be honest, a perfect day isn’t a perfect day without cake.

Next we took a tour in a classic car that Havana is famous for. I generally view cars as lumps of metal to get me from A to B, but even I could appreciate the glamour of what we were being driven around in. We got dropped off at El Floridita, a bar made famous by Hemingway, and the home of the daiquiri. Even as a non-drinker I had my photo taken with a daiquiri. It just has to be done in Havana, even if you’ve no intention of actually drinking it.

Photo by Dimitri Dim on Pexels.com

By this time we were ready for some dinner. We were walking around looking for a restaurant. Someone approached us to take us to one of the small scale restaurants that have been established in people’s houses. We followed him up a winding staircase and entered a lovely restaurant with a handful of tables. He apologised for the balcony table not being available, but we assured him things were perfect. We were enjoying our drinks. It took them a little while to reconcile themselves to the fact that I wasn’t drinking alcohol, but they made me a virgin cocktail which was delicious. Then the guy who’d brought us in rushed over. He’d noticed that the balcony was now free. He moved us over and we settled ourselves in, making the most of the views of Havana. The lobster we ate was out of this world. Would it have been more perfect if I was there with a partner rather than my gay best friend? You know, I don’t think it would. We have the best holidays and I can’t imagine doing that trip with anyone except him.

Photo by Daria Shevtsova on Pexels.com

In Havana terms the night was still young, so we walked along the malecón where I’d started my day with my run. We followed the sounds of music, laughter and glasses clinking and found some sort of a festival going on. There were a few tourists there, but mainly it was locals enjoying themselves on a Friday night. We got a drink from one of the outdoor bars and walked around. We got chatting to a group of people and one of the guys offered to teach me to salsa. I love to dance anyway, but when a Cuban offers to teach you to salsa in Havana you snatch their hand off. It really was the perfect end to a perfect day.

June and July Review

I’m going to do a combined June and July review seeing as I hadn’t got around to doing my June post by the time July was ready to get published. What can I say. I’m a summer girl at heart and when the sun shines I’m outside making the most of it rather than being huddled over my laptop.

As usual I’ve got last month’s figures in brackets for comparison. I’ve got my Defined Benefits Pension in there based on twenty years worth of money if I start drawing it at 60. I track how I’m doing with my mortgage balance compared to my AVC balance. The reason for this is that I made a decision to mostly stop overpaying my mortgage. Instead I used that extra money to put more into my AVC fund. So hopefully I’ll start to see my AVC fund increase in value and more slowly my mortgage balance come down until they meet at some point and I have enough in my AVC fund to clear my mortgage when I retire. That’s the plan anyway.

Debts

Mortgage £92,377.27 June £91,885.11 July (£92,869.64)

Assets

Cash £34,541.56 June £34,725.71 July (£35,002.04)

Defined Benefits Pension £130,653.60 (£130,653.60)

AVC’s £14,026.62 June £14,534.87 July (£13,131.25)

Shares £65,289.39 June £66,050 July(£66,329.57)

House £250,000 (£250,000)

Total £494,511.17 June £495,964.18 July (£495,116.46)

Net Worth including house equity

£494,511.17 – £92,377.27 = £402,133.90 June £495,964.18 -£91,885.11 = £404,079.07 July (£402,246.82)

AVC Fund vs Mortgage Balance

£14,026.62- £92,377.27 = -£78,350.65 June £14,534.87 – £91,885.11 = -£77,350.24 (-£79,738.39)

I’m reasonably happy with those figures. The work share price is pretty rubbish at the minute, but even so things are all going in the right direction. I’ve still got too much cash sitting there as a bit of a security blanket, but I’m in the process of transferring £6k out of my savings account and putting that into my Vanguard ISA. That will show in my August figures. No doubt I should get rid of even more savings, but for now that’s enough for me. I like having enough easily accessible so that I feel I can deal with unforeseen circumstances. I might move a bit more money around at some point, but for now I’m happy with what I’ve done.

Not much else to say about those figures. As I mentioned in my last blog post I’m a bit bored with thinking about FIRE. I guess it’s probably natural. I’m doing what I need to do to get to where I want to be. I don’t need to think about things too much. I go through spells where I spend far too long looking at my spreadsheets. Once in a blue moon I’ll have a Eureka moment, where I think of a way to work smarter not harder with my finances. Putting extra money into my AVC fund instead of overpaying my mortgage was one such instance. Thinking about how much cash I have on hand is another example, even if my naturally cautious nature means I haven’t gone as full on as I could have done with depleting my savings account and putting more into index trackers.

As I mentioned at the beginning I’ve been making the most of the summer. I love it when the sun shines, so I’ve been dashing out to the garden on my breaks and straight away after work. Yet another benefit on working from home. Although I don’t feel like I’ve been particularly productive, I have managed to tick a few things off my 60 for 60 list. I’ve also amended it a bit; replacing a few slightly dull activities with more adventurous ones. I’ll write a post at some point with an updated list and a bit of chat about how I’ve found the things that I have got done.

I’m just coming to the end of my two week holiday. I’ve managed a slightly more normal holiday than last year, but still far from what I would have planned. I managed to get away camping in the north of Scotland, back to one of my favourite camp sites. I could only get three nights booked, but it was great to get away and enjoy the fantastic views. I also visited my folks and made the most of parkrun having restarted in England. I got myself to Hexham for a fabulous riverside parkrun which was lovely and flat. I also met up with my brother and sister and we walked a mammoth 26 miles around Kielder reservoir. That’s the furthest I’ve ever walked, and I was completely exhausted by the end. The sense of achievement was incredible though. It’s been a good summer of walking for me. I climbed The Cheviot, the highest peak in Northumberland and also walked a stretch of Hadrians Wall. Next weekend will see me back down south and climbing Scafell Pike. I’m definitely getting some good things ticked off my 60 for 60 list.

Photo by JACK REDGATE on Pexels.com

It’s back to work on Monday and I’m already dreading getting back in the swing of things. As usual my time off has made me reflect on what my life will look like when I do finally achieve FIRE. I’m hopeful that there’ll be lots of running and walking in there and plenty of travel too. I’ve noticed that lots of the conversations I have with my friends eventually come round to retirement and what our plans are. I don’t think it’s usually me that brings it up, so I guess I must just be of that age where my friends are making plans hopefully to stop working in the next decade or so. It will be nice to have other people retired so that I have some people to hang out with during the week. Much as I enjoy my own company it’s good to have people to share the fun with.

Unusually I didn’t set myself any goals to achieve on my last post. Making the most of the summer seemed more important. I still feel like that, but I do have the Great North Run coming up in September, so I really need to focus on that. Let’s hope some goals around that will be useful. Here goes then.

  • Do at least one 13 mile training run. I’m already up to ten miles, so this should be an easy one. Training plans don’t usually recommend that you do the full distance in training, but I’m a rebel and always like to know I’ve done the full amount before the big day.
  • Get down to ten and a half stone. I was doing great with my eating and my weight was more or less where I wanted it to be. After two weeks off work that’s definitely no longer the case. I’ve not even got on the scales, and have no intention of doing that before Monday morning. Come Monday though I need to be on it healthy eating wise.
  • Get at least seven and a half hours sleep a night at least five nights a week. Sleep is always important, but never more so than when you’re in training. I’ve been a bit bad with this for a while now, so it’s time to sort that out.
  • Climb Scafell Pike.
Photo by James Wheeler on Pexels.com

I think that is plenty to be getting on with. I’ll focus on my health for a bit and reintroduce some good habits. All in all things are ticking along quite nicely. I’m having a lovely holiday, even if I do seem to have spent a fair bit of it getting stuff done, like booking dentist appointments and cleaning the house. That’s always the danger with a staycation. It has given me the time to make some plans though and I can’t tell you how much I loved getting back to parkrun. Only a week to go until it restarts in Scotland and then I can get my Saturday morning fix on a regular basis.

No Motivation May

It’s almost time to do my June figures, so I really better get my May ones out there. Better late than never as they say. Money first of all and then we’ll have a look at how I did with my goals.

As usual I’ve got last month’s figures in brackets for comparison. I’ve got my Defined Benefits Pension in there based on twenty years worth of money if I start drawing it at 60. I used to track how I was doing with my net worth minus the house equity. This was to see where I was in my quest to become mortgage neutral. Now that I’ve well and truly achieved that I don’t feel the need to track that any more. Instead what I’ve decided to do is see how I’m doing with my mortgage balance compared to my AVC balance. The reason for this is that I made a decision to mostly stop overpaying my mortgage. Instead I used that extra money to put more into my AVC fund. So hopefully I’ll start to see my AVC fund increase in value and more slowly my mortgage balance come down until they meet at some point and I have enough in my AVC fund to clear my mortgage when I retire. That’s the plan anyway.

Debts

Mortgage £92,869.64 (£93,361.71)

Assets

Cash £35,002.04 (£35,708.53)

Defined Benefits Pension £130,653.60 (£130,653.60)

AVC’s £13,131.25 (£12,464.24)

Shares £66,329.57 (£61,194.27)

House £250,000 (£250,000)

Total £495,116.46 (£490,020.64)

Net Worth including house equity

£495,116.46 – £92,869.64 = £402,246.82 (£396,658.93)

AVC Fund vs Mortgage Balance

£13,131.25 – £92,869.64 = -£79,738.39 (-£81,839.75)

A nice bump in the work share price has made my figures look really nice. Of course it’s subsequently dropped again, so June is not going to look quite so good, but that’s just the way it goes. I probably should have sold some of those when the price was up and stuck the money into my Vanguard account, but I get excited with the price going up and think this is the beginning of the great recovery. It never is! I did use some dividends that got paid to invest more in my Vanguard ISA, and I topped it up with some of my cash too to meet the minimum pay in amounts on two of the funds I invest in. I’ll just keep doing things like that to try and increase the amount in my index trackers. I definitely still need to diversify more, but I am at least going in the right direction. I’m still holding a stupid amount in cash, but it helps me sleep at night, so I’m not too worried about making any massive changes to that.

It’s nice to get my net worth over the £400k mark, but really it’s a bit of an arbitrary figure. I’m not selling my house any time soon and I’m not drawing my pension for quite some time yet. Still nice to hit it though. Hopefully it won’t be a million years until I get to the half million point. That really will be something to celebrate.

There’s still miles to go with my mortgage, but I’m glad I’ve stuck with my plan of putting the amount I was overpaying into my AVC fund instead. With a base rate mortgage there’s no point paying it off too quickly, and hopefully this way I can make the most of saving more with the tax advantages that come from paying into AVC’s. It also means that I duck under a salary cut off point for my son applying for student loans and bursaries.

There’s not much else to say about the figures really. The plan is working, albeit very slowly. If I’m perfectly honest I’m getting a bit bored of thinking about FIRE just now. I’ve got everything set up doing what it needs to do. I just need time to pass now so I can get my finances to where I want them to be. Of course I don’t want that time to pass too fast as then I’ll be wishing my life away.

I’m trying to make things happen at work by making the most of opportunities that come up, putting myself forward for things and started the long process of getting enough experience for the next job that I want to go for. That’s likely to take a while, but I’ve definitely made a good start. I think that’s probably the biggest thing I can do to help me reach FIRE, is get a better paid job. The next step up probably won’t come with much of a bump in pay, and in fact initially it might come with no increase at all, but in the long run it’s definitely going to be a good move.

So enough about my money, let’s look at my goals. I’m going to preface this by saying I have absolutely no motivation whatsoever at the moment. I feel like I’m wading through treacle somewhat. I’m eating rubbish, running as slow as a slow thing and generally not wanting to do more than is absolutely necessary. I think that’s ok though. Well, maybe it’s not, but it is what it is. We can’t be 100% going for it all the time. I’m enjoying being able to see people a bit more, and have had a trip south of the border to see family and gets some lovely long walks in. Goals are on the back burner, but no doubt I’ll get back on it at some point.

So here’s a reminder of my goals for May.

• Finish couch to 5k. PASS All done and I’m now running normally. Well you know, slowly and not as far as I’d like, but without needing to stop and walk, and crucially still injury free.

  • Cross train twice a week. PASS A mixture of walking and cycling twice a week. Mainly walking with friends, which has been really nice.
  • Start a new Spanish series. PASS Technically a pass. I have started a new series, but I’ve only watched one episode. Zero motivation for Spanish just now.

Weigh under ten and a half stone on 1st June. FAIL On 1st June I weighed 10 stone 10.2 lb. To be honest I’m amazed it wasn’t more. I’m still a stone lighter than I was at the height of lockdown, but also ten pounds heavier than I was at Christmas.

As I’m doing this review so late in the month I don’t really see the point in setting myself any goals. It’s summer, the sun has been shining a bit and quite frankly I’ve not felt like working at much. No doubt I’ll get my motivation back at some point, but for now there’s not much point flogging a dead horse. I’ll just chill out, survive work and enjoy having my son home for the university holidays.