Half a Century

You might think I’m talking about the cricket score but no.

By the time this post goes out, I will have turned half a century old.

Yes, I am bloody 50!

There, I said it out loud but I still can’t quite believe it myself.

How did over half of my life go by so quickly?

Should I be having a mid-life crisis as so eloquently described by indeedably?

My Mum will no doubt ask me if it’s finally time for me to grow up?

Even if she doesn’t actually ask me, I will see it in her eyes and I’m afraid she’ll continue to be disappointed, haha!


I have to admit that I had not been looking forward to turning 50 at all. I was the same when I turned 40; seem to recall being a little down (for me) when I was 39.  I ended up getting a tattoo to celebrate and it looks likely there will be a similar such celebration for this birthday…

I know it’s only a number but it still sounds so….old!

It’s just as well that I’m told I don’t look my age (or act it) and I certainly don’t feel it, although when hungover, I think I feel every single one of those years!

Weight-wise, I’m only a few pounds heavier than when I was in my 20s but size-wise, I’m actually trimmer than I was then (about half a dress size), probably due to a better diet and less alcohol.

According to the Boditrax machine I tried out six months ago, my metabolic age is 34 years old which is great and means this old girl is mostly looking after herself!

I could probably get away with lying about my age but nah, I’m crap at lying and couldn’t live with my own lies!


Anyway, my friends kept asking me last year what I wanted to do as they wanted to celebrate my five decades on this planet.

To be honest, I just felt like hiding at home to contemplate, not celebrate but I bowed to peer pressure in the end.

I’m not one for being the centre of attention and the idea of a party seemed horrific, so the alternative was to go away somewhere.

I ended up organising a trip. The whole act of booking flights for everyone, sorting out hotel and ‘loose’ itinerary actually made me look forward to celebrating my birthday.

And the trip was a big deal – not just the significance of a life milestone but because:

a) I was travelling abroad with my friends, whereas previously, we’d barely ventured out of Manchester together, never mind leave the country – two of them had expired passports so good job I checked; and

b) the group of 7 friends were made up of my two ‘circles’ of friends who hadn’t previously met (ex-work, who have known me for around 20 years and gym pals who have known me around 6-7 years).

Fortunately, my fears of clashes of personality were not founded (not that I knew of anyway!).

And so, to celebrate becoming ancient my birthday, I decided to go on a little weekend trip away to Bruges, in Belgium.

Girls on Tour In Bruges

Of all the different European cities to visit, I opted for Bruges because I like beer and my friends like chocolate, so it seemed like a no-brainer! No, actually, what attracted me was that it looked really picturesque and historical and seemed to have a lot to offer for tourists. One member of the group had visited previously and she recommended it.

The whole trip nearly started off with a disaster however, as I realised just as we got to Brussels customs that I’d left my bag on some chairs while we were waiting for some of the others to get off the plane. I ran all the way back for it and fortunately it was still there and hadn’t been detonated as a security risk – phew!

Bruges was lovely – we did a lot of walking along cobbled streets, visited museums (including an interesting Salvador Dali exhibition), went on a brewery tour, canal trip, guided walking tour, drank lots of Belgian beer and ate some great food. Somehow, I managed to miss out on moules frites – not sure how!

The trip was not cheap – the girls (sorry Ms Ziyou, we all refer to ourselves as such!) were looking to stay centrally so I got us into a 4-star hotel right next to the canal, with lovely view and great walking right outside the hotel. We were just ten mins walk into the main square where all the pubs and restaurants were.

It was a fabulous weekend – the city had a lovely ambience, I found it very friendly. The weather was perfect – sunglasses and sun-cream made an appearance! I was very happy and humbled to have such a great group of friends who wanted to celebrate with me – it was a perfect weekend.

Anyway, I would definitely go back as there were still lots we didn’t get the chance to explore.

The Actual Day

Cancelling my Gym Membership

When I say I’ve cancelled, what I actually mean is that I’ve given notice to end my membership, since my gym/sports club demands a whopping 3 months’ notice to terminate.

And what I’ve done is in contrast to what I was talking about four years ago.

But things change.

What brought this on?

A month ago, the aerobics class which I have been attending twice a week for nearly 15 years (Body Attack) was taken off the timetable.

Lack of ‘adequate attendance’ was cited as the reason by the club, despite other classes with low attendances remaining on the group exercise timetable.

A petition was signed by 50 members asking for the classes to be reinstated to no avail. Numerous emails were sent to the club manager asking for the time slots to be replaced with a suitable aerobics replacement class but really, Legs, Bums & Tums is not a suitable replacement! (this isn’t to diss people who love Legs, Bums & Tums classes, but they are very different classes!).

For many years, my gym membership was heavily subsidised by work. It’s only these last 3 years where there’s been no reduction but I put up with the price because it was my club which I attended frequently and because my gym membership was something which I was prepared to spend money on – my only extravagance.

After being a member of the club for over 20 years, I suddenly realised that despite it being more of a social club than a gym (I meet my friends there, we eat there, relax in sauna etc), without my preferred classes, the club as no longer was giving me what I wanted. The high membership price could no longer be justified.

Plus I was really dissatisfied with the inadequate communications from the club and their pathetic reasons for not reinstating the classes, especially as it just looks like it boils down to them being too cheap to renew the licence to run the classes.

So I gave them my written notice.

Importance of class times

The recent bout of working many late nights can be partially blamed on not being able to attend my preferred classes. Previously, I would leave a little earlier from the office to be able to make my classes on time.

With no set classes to attend, I was working late and then going to the gym even later. That left very little time to eat when I got home before it was time for bed. I needed to get back into a routine which didn’t make me feel tired.


In response to my notice and to probably try to entice me to stay, the club gave me a free personal training session.

I already did my own bit of weight training in between my classes but what happened was that the PT session gave me a fantastic weight training exercise programme which I can do on my own…at any gym.

In the few weeks which I’ve been following the programme, I already feel a lot stronger (and according to friends) look stronger.

I do however still miss the aerobic classes, miss the camaraderie, miss people looking like they’re half-dead after the power/cardio tracks, miss the challenge of keeping ahead of people half my age.

But, I’ve been enjoying this new challenging weight training exercise so this will do in the meantime.


I guess I’ve always been a bit of an outlier in FIRE circles in that I’ve continued to pay for my gym membership. So no surprises really to hear that I now need to find another gym which is convenient in location and timetable.

Apologies for the deceptive title of the post and to the extreme followers of FIRE but gym membership is very much part of my life for my health and well-being.

I know many people can keep fit for free by running or cycling but I’m not one of those people, that’s not how I like to exercise and keep-fit. What I do works for me.

In any case, any other membership will most certainly be a lot cheaper than what I have been paying, so this should have a positive impact on my savings rate, probably to the tune of around £50 a month…

Changes Afoot

So I mentioned in my goals post that one reason why I wanted to keep my goals simple and familiar was because my life (as I know it) was going to be turned ‘upside down’.

Not in a bad way, I was being a little melodramatic there but certainly, there will be a big change happening later in the year.

So what’s the big change? Continue reading

2019 Goals

Before I go into my goals, I will mention that I intend to continue to throw my cash into investments in the face of probable continued turbulent markets, uncertainty due to Brexit and whatever else happens around the world which might cause share prices to go down (or up).

I don’t intend to hoard cash because I don’t know how to time the markets and wouldn’t want the anxiety of trying to decide when to invest so I’m just going to continue investing monthly regardless. Keep calm and carry on and all that.

I need to ensure that my emergency cash funds are topped up (having dipped into them recently to fund some holiday excesses)  – my aim is for them to cover 3 x monthly expenses for now.

Anyway, back to the main topic…Goals!

As with recent years, I find that setting only a few goals works well for me, allowing me to focus, with little room for distraction so I’m going to do something similar exactly the same for 2019.

Not every exciting, I know and perhaps not really stretching either but there’s another reason why I want to keep things simple and familiar, which I will go into later.

So without further ado, here they are:

Continue reading