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Peering over the hill...
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I like chocolate crispy cakes too. Simple pleasures.
I am hoping my company will opt for hybrid working tooAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.5K Net savings after CCs 11/2/26 (but owed £1.4K) so £2.9K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.2K updated 16/1/262 -
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!2 -
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
2026 decluttering: 653 🤑🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️ ⭐️
2026 use up challenge: 188🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 🏆1,000 I 🥉25 🥈50 🥇100 💎150 🏆3002 -
Muting meetings LOLAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.5K Net savings after CCs 11/2/26 (but owed £1.4K) so £2.9K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.2K updated 16/1/261 -
Grogged I agree on muting meetings but there are better biscuits (and sometimes cake!) in the officeMFW 2021 #76 £5,145
MFW 2022 #27 £5,300
MFW 2023 #27 £2,000
MFW 2024 #27 £6,055
MFW 2025 #27 £5,075
MFW 2026 #27 0/£10002 -
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 £169.8K Equity 37.1%
2) £1.5K Net savings after CCs 11/2/26 (but owed £1.4K) so £2.9K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.2K updated 16/1/262 -
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!1 -
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 £169.8K Equity 37.1%
2) £1.5K Net savings after CCs 11/2/26 (but owed £1.4K) so £2.9K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.2K updated 16/1/261 -
Don't you have a hiding place for these things? I know I do!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!
2026 decluttering: 653 🤑🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️ ⭐️
2026 use up challenge: 188🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 🏆1,000 I 🥉25 🥈50 🥇100 💎150 🏆3001
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