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Peering over the hill...

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I like chocolate crispy cakes too. Simple pleasures.

    I am hoping my company will opt for hybrid working too
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Chiglepig
    Chiglepig Posts: 613 Forumite
    Fourth Anniversary 500 Posts Photogenic Name Dropper
    @Grogged just hopping on to say I've read your whole diary and I'm really enjoying your style!

    2014 starting mortgage £165,000
    2015 second charge £20,000 - Jan 2021 paid off in full
    Current outstanding balance - £115,856



  • Grogged
    Grogged Posts: 866 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    Thanks @Chiglepig.
    Unfortunately @savingholmes simple pleasures are very tasty, so I'm not sure how long they'll last...😟
    It will be weird when the office reopens, quite enjoy muting in meetings, can't really do that in real life...😆
    If it's not adding up, compound it!
  • QueenJess
    QueenJess Posts: 4,496 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    I agree going back to the office will be weird.  I worked from home permanently since January 2019.  I was in a different role where they didn't care where I was and then Covid hit and I changed jobs.

    Now I have a year out for maternity leave, but I guess I'll actually have to visit the office again in March 2022!  Not looking forward to it... much less time consuming to work from home :)
    2025 decluttering: 3,819🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
    2025 use up challenge: 322🥉🥈🥇💎🏆
    Big kitchen declutter challenge 98/150
    2025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 500
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Muting meetings LOL
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • powerspowers
    powerspowers Posts: 1,337 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    Grogged I agree on muting meetings but there are better biscuits (and sometimes cake!) in the office
    MFW 2021 #76 £5,145
    MFW 2022 #27 £5,300 
    MFW 2023 #27 £2,000
    MFW 2024 #27 £6,055
    MFW 2025 #27 £2,350 /£5,000


  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Better get baking then powers... cake... yum... or get to MnS - missing coffee cake... they make that better than I do... 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Grogged
    Grogged Posts: 866 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    I'm not a great cake fan, but adore coffee and walnut cake...
    (Does a Homer - hmmm cake...)
    Now the chocolate crispies have passed QA (🙄), I'm promised millionaire shortbread...
    If it's not adding up, compound it!
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Someone sent me some treats for tomorrow - I have cake, brownies, a cookie and some other squares of something that looks interesting... I wonder whether the kids will find it before I scoff them!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • QueenJess
    QueenJess Posts: 4,496 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    savingholmes said:
    Someone sent me some treats for tomorrow - I have cake, brownies, a cookie and some other squares of something that looks interesting... I wonder whether the kids will find it before I scoff them!
    Don't you have a hiding place for these things?  I know I do!  :D
    2025 decluttering: 3,819🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
    2025 use up challenge: 322🥉🥈🥇💎🏆
    Big kitchen declutter challenge 98/150
    2025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 500
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