Resolutions

It’s that time of year again. Time to sort out my life and make lots of unrealistic resolutions. Actually that’s not really how I roll. Although I do seem to have yet again become a professional chocolate eater over the Christmas period, so pretty soon I’m going to have to do something about the tightness of my jeans by either eating a bit less and running a bit more, or buying new jeans. Hopefully not the latter option.

The last few years I’ve tried to make positive rather than negative resolutions. So last year was all about trying to get more sleep. Considering how much I love to sleep this should be a really easy one for me. I’ve even put an app on my phone that gets very passive aggressive with me when I’m ignoring it’s entreaties for me to go to bed yet again. And yet still every work lunchtime finds me in my car with the seat right back having a 20 minute power nap. I’m getting a bit better I think. I’m probably getting closer to 7 hours a night rather than the 6 hours it used to be. Maybe this year will be when I get to a solid 8 hours a night. I’m sure I could make much more progress on my goals if I wasn’t so exhausted all the time.

Two years ago I had some great resolutions. I had already got back into running after a 20 year plus hiatus, I was training regularly and had done quite a few races, including some half marathons and one full marathon. I was loving it, but felt that I really needed to find some people to run with. So I decided in the new year that I wanted to start doing Parkrun and to join a running club. I have to say they were the most beneficial resolutions I have ever made. I work every second Saturday, but when I’m not working, 9.30 will find me at my local Parkrun. On Christmas day I completed my 45th Parkrun, so I’m within sprinting distance of my 50 milestone when I’ll qualify for my free Tshirt. My kids give me a row when everywhere I go I try to recruit people to Parkrun, but seriously give it a go. It’s so friendly and inclusive (and free!) A 5km run is a lovely way to kickstart the weekend. I also joined my local Jog Scotland group. Again it’s really friendly and caters for all abilities. I’ve made some great friends through both Parkrun and Jog Scotland, and I now have some brilliant friends to run with. We’re usually so busy chatting that we barely notice the running. I really want to join another running club too that will give me access to some more intensive training sessions, so that’s a resolution for this year. I’ve been putting it off as I’m not sure I’m good enough, but I guess I’ll only start improving when I get out of my comfort zone. There’s also a really scary 5km vertical run up a mountain in September that even just the thought of is seriously terrifying me. That’s probably a really good sign that I should go for it. When they mention danger of serious injury and death in the terms and conditions then you know it’s a properly hard core race.

I’m a great believer that you can only really focus on a couple of areas of your life at one time. I usually find that when one thing is going really well my concentration slips in other areas. The trouble is there’s always so many things I’m keen to work on. I did loads of extra things above and beyond my actual job title at work in 2018, so I’m really hoping that will be reflected in my performance rating for the year, which will directly influence my bonus and payrise. I really need to decide once and for all what I want to do work wise. There’s some very compelling arguments to be made for staying with the same company. I think that’s why I’ve hung around so long. I’m managing to do enough things that really interest me but that aren’t actually anything to do with my job title to keep myself interested enough to stick around. I go back and forwards on staying with the same company but looking for an internal move. The problem I have with that is I have great working hours of 8-4(although I could do without the weekend working) and it’s 15 minutes from home to desk. The thought of potentially brutal shifts and an expensive (in terms of both time and money) commute really puts me off. I go through spells of looking, but then get lazy. Also I’m well thought of in my current department and work with a great bunch of people, which again makes me reluctant to leave. I think at the very least I need to explore the possibilities and see about earning some more money this year.

Finance wise I want to get my head down and keep overpaying my mortgage. I think the easiest way to organise your finances is to automate your plans so that you don’t have to make a conscious decision every month about what to do with your money. The old adage of pay yourself first has got a lot of merit to it. My sharesaves come off before I see any of my money, and my mortgage overpayment comes out like clockwork shortly after payday each month. I’ve got my budgets all set up, and it’s that time of year again to get all my budgeting spreadsheets ready to go again. I like to get myself hunkered down for a few hours and organise my finances for the year to come. It’s one of my favourite things about the new year.

There’ll likely be a few changes to the finances coming up this year. Maths Boy is hoping to head off to university this year if he gets his first choice of university. He’ll only be 16, so he may wait another year if he doesn’t get in where he wants to. I’ve definitely got mixed feelings about him heading out into the world at such a young age, but what can you do? I’m not quite sure how that’s going to impact my finances. I get maintenance for him and his brother from their dad, but I never went down the CSA route. I didn’t want to be screwing him for every penny I could, so we just agreed to an amount. I have to say we’ve managed to be incredibly amicable, which was what I wanted for the kids. I’ve missed out on a lot of money that I could have had from him over the years as he’s done incredibly well for himself in the years since we split, but for me that’s much less important than being able to still get on with the father of my children. I can’t quite work out if I’ll be better off when the kids leave home in terms of fewer costs, or if losing maintenance payments, child benefit and a small amount of child tax credits will make things more difficult. Time will tell.

I need to sit down and work out my net worth again, as it’s a while since I’ve done that. The kids are away this weekend and I’m not working, so maybe I’ll get a bit productive and have a good hard look at my finances. I’m already looking forward to seeing what 2019 brings. I’ll focus on deciding what I’m going to do with my work situation, join a new running club and hope to reap the benefits from that. I need to be averaging 7 hours sleep a night so I’ve got enough energy for everything I want to do. Oh, and of course see how I get on with this blog. Lots to do and probably not enough hours in the day, but I’ll do my best. There’s lots to look forward to and lots of work to be done to try and get myself a bit closer to FIRE. 

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