2025 definitely didn’t turn out as planned for a number of reasons, good and bad, but our freedom fund had a great year with no active tinkering whatsoever. One of my greatest fears when finally taking the plunge and quitting the 9-5 was large falls in the market in the first few years that we …
Despite having moved into our cottage in SW Scotland in 2023, we hadn’t yet spent a Christmas here. Much to the disappointment of certain family members, we decided to have a quiet one at home this year. When an old school friend asked if she could come and stay for a few days while her …
A lot of rain means no shortage of rainbows, and apart from a brief cold spell, there was a lot of rain in November! The update is very late this month, despite starting it on time. We seem to be juggling lots of minor things and I’d forgotten how much time walking a dog takes …
October started with a long anticipated trip and proceeded in stop start fashion when it came to completing the energy efficiency work. I am finally starting to catch my breath and feel a little more in control of what is going on around me. At the time of writing we are still sleeping in the …
The 1st September brought 6 vans full of 9 contractors to start work on our energy efficiency improvements. By day 2 we were up to 8 vans, and I have no idea how many people. The cacophony of SDS drills, impact drivers and slamming van doors was a bit overwhelming. You couldn’t go anywhere without …
A very tardy update this month, as September has turned out to be very eventful (in a good way), but more about that next month – or in a couple of weeks. August started in fairly unremarkable fashion. I carried on with the cement stripping and re-pointing the gable end of the house, we spent …
July was the first whole month we have spent at home in a long time, and it showed in the amount we managed to get done on the house. The bees returned from their holiday to the field beans, and it has been lovely watching them on their favourite blooms in the garden when I’ve …
February was a bit of a whirlwind. A very positive one, but a whirlwind nonetheless. Our 3 week San Diego house sit continued into the first week of the month, and because we thought it unlikely that we’d find ourselves in that part of the world again, we tacked a short road trip on the …
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 …
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 …
Finding Enough 