Ever get that feeling that tic follows toc, and that time waits for no one? It's frightening. Not long ago ten years was a long time. Now it's no time at all. Where has it all gone? But, that's not the scary bit, it's: where's it all going?

I have tried to map my future - where will I go, what will I do over the next few years, hopefully decades. The big question is how long have I got. I've got another 28 years left to work. That means that the amount of money I can accumulate over the next 3 decades is limited. Retire early? The earlier I retire, the less money I will have until... well, I have no idea until when...

It'd be great to save every spare penny over the next three decades, then start to have some real fun. Now, the thing that springs to mind is that my mother died at 59! That means that I have more like two decades left. That's simply not enough time to do all I want to do. So, over this next decade I am going to have to decide whether to retire early and be poor, or retire late and be rich. At some point I will have to make decisions on which direction to take, and decide what I really want from life.

The good news - Over this last year or so, I have been slowly getting my life into order. I have taken control of my finances - I know where every penny goes, and have even taken steps to reduce my fixed expenses, like changing electricity supplier for example. I quit smoking. I quit drinking alcohol. I am gradually changing my diet. More vegetables. More fruit. No processed foods.

Takes time for things to change. It's like tic, toc, tic, toc...

Ever get that feeling that tic follows toc, and that time waits for no one? It's frightening. Not long ago ten years was a long time. Now it's no time at all. Where has it all gone? But, that's not the scary bit, it's: where's it all going?