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.

Freezing February Review

Let’s have a look and see what my Net Worth is looking like for February. I’ll also have a look at how I got in with the goals I set myself for February and set myself some things to work on in March.

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’ve also got my Net Worth not including the DB Pension or the house equity, which seems barmy, but is really just to represent how close I’m getting to mortgage neutrality.

Debts

Mortgage £94,345.97 (£94,838.70)

Assets

Cash £35,523.72 (£34,965.12)

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

AVC’s £10,814.45 (£10,307.70)

Shares £52,479.19 (£49,209.19)

House £250,000 (£250,000)

Total Assets £479,470.96 (£475,135.61)

Net Worth including house equity

£479,470.96 – £94,345.97 = £385,124.99 (£380,296.91)

Net Worth excluding house equity and Defined Benefits Pension

£98,817.36 – £94,345.97 = £4,471.39 (-£356.69)

So let’s unpick those figures a little bit. A nice little bump up in the work share price has had a rather nice impact on my numbers. The only slight down side to that is that the proportion of my investments in work shares as opposed to index trackers has increased. It’s good that they’re worth more, but it still really concerns me that I’m not diversified enough. I’ve more or less filled up this year’s ISA allowance, so next month when we pass the cut off date I can think about selling some of them and putting more into my Vanguard account. The problem is every time the share price recovers a bit I get all optimistic about them and think that they might go somewhere close to where they were before. That would make FIRE sooner rather than later much more realistic, but at some point I will have to just cut my losses and accept that it’s more important to be diversified rather than wait for some magical jump up in the share price. That’s a mental adjustment that I need to make rather than anything else though.

The really big news this month is that I’ve become mortgage neutral. Cue champagne corks popping and fireworks going off. Actually as I don’t drink that’s not quite right, but there was rather a lot of smiling happily at my spreadsheets the night I did my net worth figures this month. I’ve been banging on about becoming mortgage neutral for a long time now, so it feels fantastic to have actually got there. Post lockdown I’ve got some spending planned to have a bit of a life and to tick off some things on my 60 for 60 list, so the key is going to be to try and stay mortgage neutral.

Mortgage Neutral, whoop whoop!!

I was mortgage neutral in my last house, even though I didn’t measure all my figures in nearly so much detail as I do now as that was pre my discovery of FIRE. It’s almost four years since I moved, so it’s really nice to get back to that same position financially. I moved from a 3 bedroom semi to a 4 bedroom detached house. The move wasn’t strictly speaking necessary, but with two teenage boys the extra bathroom has certainly come in handy. And I have to say that it would have been incredibly difficult to work from home in the last house. Strictly speaking it wouldn’t have been allowed as you need to have a room where the door shuts and people don’t need to walk through it to get to other rooms. Pre Covid for people who worked from home you had to have an inspection to make sure there set up in the house was suitable as we are speaking to customers on the phone, so privacy is an issue. Things have relaxed slightly to get the majority of people safely out of the office, but you still have to have somewhere to work. One of my colleagues has spent the last year working on an ironing board as she doesn’t have room for a desk. Having the spare room to work in has made working from home so much more convenient. On balance, although moving hasn’t helped my FIRE figures I’m still really glad I did it. It’s not like the money is lost either. I can always downsize as my teenagers make their way in the world, or even rent a room out at some point in the future.

All in all it’s safe to say I’m pretty happy with this month’s figures. Let’s move on now to see how I got on with my goals for February. The fact that I’m about to have to go and check what they were probably doesn’t bode all that well.

  • Get under 10 stone. FAIL I’m going to officially give up on this one, but to be fair I got within spitting distance of it. I got down to 10 stone 0.4 lb, so I think I can probably live with that.
  • Weigh under ten and a half stone on 1st March. PASS Just, but I was 10 stone 6.4 lb on 1st March. It all went a bit pear shaped (literally) the last few days of the month, but I snuck under the magic ten and a half stone and I’m back much closer to the ten stone mark again.
  • Exercise at least four times a week for at least 30 minutes each time. FAIL I was well on track with this right up until the last week of the month. I haven’t been able to run due to injury, but I was walking four times a week for about 50 minutes a time. I was loving it. Unfortunately I went out walking in the snow and ice and fell and ended up flat on my back. This really hurt my already injured hip, and I’ve not been able to exercise since. I can’t wait to get back to it, but for now recovering from the injury is more important. So it’s physio exercises and lots of rest.
  • At least once a week cook a recipe that isn’t one of our go to recipes. PASS I was messaging one of my friends saying that I was bored with what I was cooking and wanted to try some different recipes, and was interested in trying out more veggie meals. This somehow turned into us doing a month long challenge to not eat any meat. We exchanged recipes and sent photos of our meals to each other. I must have done at least ten different recipes during the month, and I’ve now got some new meals that will be part of our repertoire.
  • Finish Cien Días. PASS I’m putting this as a pass, but strictly speaking that’s not quite right. The day after I set my goals they released an extra 35 episodes on Netflix. I’m currently working my way through them, but that’s going to take a bit of time. As long as I amend the goal to finish series one of Cien Días then I can safely say I’ve achieved it.

February has been a bit of a tricky month for me. I feel like I’m making lots of good healthy choices, my weight is staying pretty low and I was doing well on the exercise front. My injury has really put a spanner in the works for me, but I was doing well with keeping up with walking when I couldn’t run. Falling on the ice is really annoying, but I know that it’s too sore now to even be able to walk. I even had to take some time off sick as it was too painful to work. That is definitely a sign that I need to give my body a chance to recover. I’m doing my physio exercises and I’m hopeful that I’ll be able to get back to the walking fairly soon and build up to running at some point. I need to listen to my body and not be tempted to push too hard too soon. I need my body to keep working for the long haul, so it’s really important that I take my time and heal properly.

Let’s get some goals set for March then

  • Watch 16 episodes of Cien días. This should definitely be possible. I’m still not understanding all of it, but I think it is helping my Spanish skills. There is a danger that if I watch it after work I’m tired and not concentrating all that much, but I reckon even just immersing myself in the language without focussing massively has to be helpful.
  • Weigh under ten and a half stone on 1st April. Sound familiar? I really just want to keep myself accountable here. I want to continue to make healthy choices and part of that should be reflected in my weight. Ideally I want to be around the ten stone mark, but the extra half a stone gives me some leeway for emergency chocolate eating.
  • Do my physio exercises at least five days a week. Ideally this will be every day, but I’ll build a little bit of slack into my goal. I would like to increase the number of reps I’m doing, but I’m finding if I do too much it’s too sore, so that’s counter productive.
  • Research one of the trips on my 60 for 60 list. Pretty much nothing on my list is possible at the moment with lockdown restrictions, but that doesn’t stop me planning trips away for the future. The current thinking is maybe a trip to Russia next year with the younger son. It’s somewhere we’ve both always wanted to go to, so I’m thinking maybe next year will be the year. I need to get an idea of the costs involved and balance my spending on experiences with my desire to reach FIRE. Hopefully I’ll be able to do both.

I think that’s enough for now. I need to start to recover from this injury, and it’s really tempting to put some running goals in there, but I need to be sensible about that and listen to my body about when I’m ready to start that up again. I’ll continue to make healthy choices most of the time, work on recovering from my injury and work towards getting back to my running. I’ll keep plugging away with my Spanish TV watching and start to look into a trip to Russia. That should give me something to look forward to, which I think is crucial in these difficult times.

Sixty Things To Do By The Time I’m Sixty List

I turned fifty last year. It wasn’t nearly as traumatic as I thought it might be, despite having most of my celebrations cancelled due to lockdown. About six months before I turned the big 5-0 I started writing a list of fifty things to do before I was fifty. I think it’s safe to say that I’d probably left writing this list a little bit late. For me I think that long term goals are what I like to aim for when it comes to lists like this. I ended up putting things on there that I didn’t really care about, just so I had things that I felt I’d be able to do quickly and fairly easily. I think if I’d got to almost 50 without feeling the need to go and get my nails done, then it’s fair to say that it wasn’t something that I was all that bothered about. That turned out to be a pretty rubbish list and I barely got anything ticked off on it. At the same time though I started writing a 60 things to do by the time I was 60 list. I found I actually had more things on this list than the one for when I turned 50, although nowhere near 60 things.

Photo by picjumbo.com on Pexels.com

Recently I’ve picked up both of these lists and had a good look through them. A lot of the things on the 50 for 50 list quickly got discarded, but there was plenty on the 60 list that I really wanted to do. Just under ten years gives me a good bit of time to actually make some progress on these things that are important to me. Quite a few of these things are going to take a bit of planning and will need a bit of money spending on them, so it’s good that I’ve got plenty of time. There’s some really big FIRE milestones in there too, which is really exciting to see.

The challenge I guess is balancing spending money on experiences that I want to have with achieving my FIRE goals. The two things seem to be somewhat incompatible, but I suppose as long as I spread them out and try and do some of the travel aspirations in a budget manner then I should be ok. There are quite a few completely free things on there, along with plenty of pretty frugal ones. Some of them require a big time commitment, and others are just plain indulgent. There are some things on there that terrify me, which I think is probably a good sign that I should definitely go for it.

I’ve committed my list to the back of my bullet journal. No doubt the list will change over time. I’ve not worried about how I’m going to do all of these things, I’ve just put down that I want to do them. There are already some things that I wish I’d put on there, but which at the time didn’t quite make the cut. No doubt I’ll make some adjustments as time goes by. And if this running injury doesn’t heal then I’m going to have to think of a lot more things to go on the list, as a fair chunk is devoted to running activities!

So here’s my list.

  1. Vogrie parkrun
  2. South Shields parkrun
  3. Gibside parkrun
  4. Run a marathon (Again, but made a better job of it than I did last time)
  5. Do an ultra
  6. Do a triathlon
  7. Become a parkrun tourist
  8. Do parkrun A-Z
  9. Do the Granada half marathon
  10. Do 100 parkruns
  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
  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
  23. Write a book
  24. Do some volunteering
  25. Become mortgage neutral
  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
  34. Climb Scafell
  35. Climb Snowden
  36. Get the en suite done
  37. Ge the kitchen done
  38. Get the bathroom done
  39. Get new carpets
  40. Go to Italy
  41. Visit Copenhagen
  42. Go to Russia
  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
  51. Go to Canada
  52. See the Northern Lights
  53. Have a trip on the Jacobite Express
  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

Reading that list makes me so excited to get started. The only one I’ve actually done already is that I became a parkrun tourist just before lockdown. Every good list always has at least one thing on it that you’ve already done. The parkruns are free to do, but time constraints are going to be against me. Unless I change my job and no longer work every second Saturday then getting 250 parkruns in by the time I’m 60 will be tight. I need to factor in injuries, volunteering and of course the fact that it’s not on just now due to lockdown. We’ll not even talk about the ultra and triathlon that I’ve recklessly added to the list. I’ll worry about those another time, as they terrify the hell out of me. As does the marathon, as I remember how much that took over my life when I did one once before. I’m not entirely convinced my body is up to all these physical challenges, but I guess I don’t have to do any of them fast, I just have to do them.

Photo by Daniel Reche on Pexels.com

There’s a reasonable amount of travel in there, but hopefully not so much that it will be unachievable on my budget. I’m really excited to go to Italy. Considering how much I love Italian men and food it’s a travesty that I’ve never been there before. The really good thing about the different destinations I’ve listed is that I have a fair idea who I’ll go to each place with. These are all places that I’ve talked about going with different people over the years, we’ve just never quite got around to it.

The white water rafting is something my sister and I have been supposed to do for years. We postponed it when she got pregnant with my nephew, but as he’s twelve now we’re long overdue that adventure! And the climbing of Ben Nevis, Scafell and Snowden is something that myself, my sister and my brother have been talking about during lockdown.

Photo by Brett Sayles on Pexels.com

It’s really great to see that by the time I’m 60 I should have reached FIRE, with some important milestones reached during the next decade. I should be mortgage neutral really soon and then my next targets will be my AVC and Equities fund. I’m hoping I should hit those in the next five years or so. At that point I can consider the possibility of negotiating a shorter working week. I’ve very optimistically put pay the mortgage off in the list. That’s probably going to take me longer, but it’s a good target to aim for. At the very least it should be at a much more manageable level. Once I turn sixty my work pension kicks in, so full retirement should be mine for the taking. That’s pretty exciting to think about. Only a decade to go. The key is going to be to fill that decade with lots of meaningful experiences so that I can enjoy this last part of my working life.

Does anyone else have a list like mine? Any suggestions of any really great things that I’ve missed off?