The home in San Diego we looked after while the owners were away
January was a month of huge contrast, as we spent the first 2 weeks at home in Scotland after returning from Christmas and New Year down south, but then the last 2 weeks were spent on our most adventurous house sit to date – in San Diego! We enjoyed the winter sunshine in Majorca last Christmas, so kept an eye out for winter sits somewhere sunnier this winter. When California came up, we applied. We got on well with the homeowners on a video call and were invited.
As 2025 rolled in, I started crunching the numbers on our second year of ‘retirement’ and reflected on the investment journey that got me here. September 2024 marked 10 years since I made my first investment, so it seems appropriate to consider what is possible in a decade as well as just what we’ve achieved in the last year. I should clarify that in September 2014, I wasn’t starting from zero. I had been contributing to corporate pensions since I started my first full time job in 2000 and I had made a minor investment in unit trusts in 2002, through a work-provided financial advisor, when I received a small inheritance from my grandmother. I was starting from just over that magic £100k level when I actually took an interest and added it all up. Technically this was not my first investment, but it was the first I had taken control of, and responsibility for and that felt daunting to say the least.
The flip side of long summer days in this part of the world are the short winter ones. On the shortest day, the sun didn’t rise until 08.40, and it set at 15.51. That meant a lot of sunset walks, as time got away from us and we rushed out before it got dark. Some sunsets were well worth the effort.
It has been a busy start to 2025, so I am a bit behind where I wanted to be with my review of 2024 post. I have started crunching the numbers, and plan to publish it before it’s time to review January spending.
A frosty morning just before sunrise – the view from our garden
I’m a bit late updating this month, as I’ve been distracted playing with lino printing again, now I have a bit of studio space. There’s a long way to go to have it set up how I want it, but I set myself the challenge of making my own Christmas cards to get me started. This gave me a deadline when it came to last posting dates, and it took priority over blog writing for a week or so. Looking back, we got up to quite a lot in November, both at home and visiting friends in Northumberland.
Autumn brings some beautiful light, but shorter days
Autumn is in full swing now and despite the best efforts of storm Ashley, the continuing mild weather has meant that the beautiful autumnal leaves have stayed on the trees for a little longer. Apart from a weekend dash down to Shropshire for a friend’s birthday party, we have been at home all month enjoying watching the season, and the wildlife, changing. The swallows have left and been replaced with fieldfares and redwings feasting on rowan and haw berries. We have started to hear the prehistoric shriek of jays again (not sure where they disappear to in the summer). Rut season has brought occasional roaring red deer in the evenings, culminating in spotting the silhouette of a red deer stag in the field behind the house one evening. We even spotted our first red squirrel running along the wall at the back of the ruined barn.
Despite being ill for a couple of weeks, I managed to squeeze quite a lot into September. The theme was definitely swimming, as I figured that I could still complete my sport relief 10k challenge in the month if I put my mind to it, even though I was out of the water for 12 days of it. So, I put my mind to it, and did it.
I was rather helped by a week of summer in the middle of September. Scotland enjoyed 27 degree sunshine while the rest of the UK struggled under torrential rain. It does happen that way round sometimes!
This may be a briefer than usual update, as September has brought with it a dose of shingles. It is not an experience I would recommend and has rather reduced my stamina for typing, as well as everything else…….. I am hoping that the anti-virals I have been prescribed will reduce my likeness to Worf from Star Trek very soon 🤒
A big chunk of August was spent visiting family. It was my nephew’s first birthday and we decided to make to most of our time south of the border, catching up with other friends and family before heading home. As all my family is now in the South West, and Mr Wombat’s family are in the South East, we ended up circumnavigating England, heading down the M6 and back up the A1. This was our first long-distance trip in the EV, so we were interested to see how we would fare with public charger availability and cost.
The lighthouse at Point of Ayre in the north of the Isle of Man
We started the month with a week in the Isle of Man to look after 2 miniature schnauzers called Stanlee (grey) and Gracie (black). Their owners were new to house sitting, but were very welcoming and very organised. We were greeted with glasses of champagne and they cooked us an amazing meal the night we arrived. We had use of their hot tub (that they had cleaned out specially) as well as their very spacious home. They even have solar panels and an EV charger, and wouldn’t let us reimburse them for charging our car. Despite the weather being forecast as a washout all week, the rain stayed away until the last day and we had a lovely time exploring the island with the dogs.
A few of the thousands of wild foxgloves that have sprung up all around us in June
Longer days have been lifting our spirits for some time, and June brought the longest day. Up here in Scotland that meant sunset at 10pm. I celebrated the occasion in slightly hippy fashion with an organised sunset solstice swim, but more about that later.
It is very easy to lose track of time with long, light evenings and very few commitments, especially as I don’t wear a watch since my, previously trusty, Fitbit broke (annoyingly the technology still works fine, but the connection to the strap is irreparably broken). We have regularly found ourselves realising it is nearly 8 o’clock and we ought to do something about dinner really…..
We didn’t have any visitors in June, so had a relaxed month. We focussed on getting some outside jobs done, when rain or midges didn’t stop play. We did have a short trip in the campervan for a couple of nights to support a friend’s art exhibition, but otherwise were at home.
I thought the wildflowers here were impressive in May, but June has been incredible, especially the native orchids that seem to be appearing everywhere. I have been slowly learning to identify new species.
We have enjoyed watching the resident blackbird family develop, and were quite sad when they moved out. They were very tolerant of us by the end, but we have not seen any sign of them since they fledged.
It felt like we didn’t make much progress with the house, with a lot of gardening and veg growing to do, but actually looking back we didn’t do too badly. We built a bench in what will be my studio space, repaired and repainted a number of timber doors and windows and I made it across the bottom 1.5m of the first wall removing plastic paint and cement (photo at the end). This has fortuitously coincided with finding out that a neighbour has scaffolding that they inherited with the property and they don’t need. They have offered to lend it to us for as long as we need, providing we come and help dismantle it. This sounds more than fair, although I suspect we may need to bring some WD40, as it has been in place against his barn for years rather than months.
Financial Update:
Freedom fund value – £1,298,916 (up £13K on last month)
Expenditure – £1,909 (or a 1.8% withdrawal rate)
Earned income – £0
I had to increase the Y axis on the freedom fund tracker graph this month, as we are nearly off the top of the scale with another 13k increase in June, for yet another all time high. We have been talking about liquidating a little cash into a dedicated travel fund while the going is good. We are very aware of the impact of drawing down too much in the early years of retirement, especially with an expensive year last year, but we do need to balance that with enjoying ourselves and making the most of our freedom. It is a difficult balance. I have always been conservative with spending. If anything, Mr.Wombat is worse, so it definitely does not come naturally to splash the cash (probably how we managed to be in this position in the first place). However, I don’t want to look back in the future and regret not taking the opportunity while we are both fit and healthy and able to do so.
It was a low cost month this month too, the couple of nights on a campsite were paid for last month and there were few other large expenses. We bought a few things for the house, totalling £368, and a couple of meals out on our short trip, but otherwise there wasn’t much out of the ordinary to report.
There was no income of any sort other than what we drew down from ISAs this month.
Non-Financial Goals:
Forage something every month
This month – cleavers. Where I grew up, we called this goosegrass. You know – the sticky stuff with small burrs that you try to stick to your mates’ backs without them noticing? If my nieces are anything to go by, this is still a popular pastime for kids on enforced walks today. It has been nearly as interesting learning some of the alternative common names for wild plants as learning about their uses. Cleavers are also apparently known as sticky willy, catchweed and robin-run-the-hedge.
You can infuse them in water overnight to make cleaver water (which apparently tastes a bit like cucumber), but I opted for nettle and cleaver pesto with cashew nuts, which was delicious.
Wild swim at least once a month in as many different places as possible – 5 swims in June including that solstice swim.
Trying to get 18 people to form a circle in a flowing river is not a simple task, but I don’t think we did too badly considering. The drone was too far away to capture the wildflower crowns supplied for the occasion. It was a lovely evening with an interesting cross section of people and included hot chocolate and cake round a firepit afterwards. I’m definitely putting it in the calendar again for next year. This was in the same river spot that I swam for the first time last month.
I enjoyed checking out a new coastal swim spot in June too (the beach photo at the end of the post). There was quite a lot of seaweed and stricken jellyfish, which I was assured by a local swimmer was very unusual in the bay, sheltered by a harbour wall. It was probably due to the strong winds and the high tide of the day before. The sea was much warmer than I had anticipated though – probably why there were so many jellyfish around. Although there were a lot of them both on the sand and in the water, we managed to pick our way through to open water. It prompted me to look up the ones we had seen when I got home. Most (blue jellyfish) would have only given a mild nettle-like sting, but there were a couple of lions mane and compass jellyfish, which are reported to be a bit more painful. I’ll know to avoid the brown ones in future.
The other 3 swims were up the road at our local inland loch swim spot.
Other highlights of the month included my first sourdough loaf, the first harvests from the vegetable garden, a new door knocker, and the construction of the base for the new garage / workshop (at last!)
One of many photos I took in the garden on the night of 10-11th May. Absolutely stunning.
There is no question about the highlight of last month. We were so lucky to be in one of the UKs best dark skies areas to witness the most impressive Aurora Borealis show in 20 years. I still can’t quite believe we got to see this from our garden! Whilst it was much brighter through the camera, we could see these colours with the naked eye. As you might imagine, I took quite a few photos and have included a few of the best at the end of the post. Even grainy phone imagines are pretty impressive.