Mortgage Free - so good they'll do it twice! Wynnvegas aiming for the big house

Froggy-G

Salut Billy! :j

Very good progress indeed.. Well done on shifting the pounds..

I see you have a battle on your hands with PC World..However this form to fill in seems over zealous (sp?)..The problem lies in their distribution system, and nothing to do with you!! :mad: I would be marching down to PC world and demanding an explanation!!

Bathroom coming along nicely, I bet you can't wait to throw yourself in the jacuzzi bath! Jealous, moi??
Our bathroom fitter is starting the work on the 11th April...

We are all working our hardest to join you in "Mortgage Freedom World!!"

Cheers
Froggy :cool:

wynnvegas

Cheers Froggy,

The battle has ceased. The iPad turned up yesterday so I'm quite contented now. Not that a letter of complaint to PC World on their handling of the affair isn't necessary! Thus far, having had it jailbroken it right off the bat, I'm pretty impressed with it. What is weird is going from the iPad to the iPhone - there's a visual piece which my brain doesn't like at all!

I can't tell you how much I'm looking forward to the jacuzzi bath. We're kicking off on the 11th as well. In that week, the bathroom is getting ripped out, a wall is getting knocked down, the existing boiler is going and, by the time I get back from my jaunt down the road on the Friday, there should be a bigger, better, shiny new number in place. I'll definitely need to get on the case with the tile options this weekend!

Cheers,

Billy

abouttimetoo

wynnvegas wrote: »

.... excepting a £100 splurge on moisturiser and shower gel from the body shop yesterday, is all exactly as planned.
Cheers, Billy

Do you use Groupon Billy, recently they had a 'pay £12 and get £30 worth of goods at Body Shop' offer on, my mother did it as she like one of their products at £12 a throw so she got two and some other bits for just the £12. They often have repeat offers on so it's worth looking at if you both like their product range.

LilacPixie wrote: »

skirt... SKIRT!!! sorry froggy but as all the girls will tell you noting as sexy as a man in a kilt..;)

What she says

Hi there Billy, blimey, I hadn't realised I'd got so far behind with your diary, I've just spent an hour catching up on it and couldn't wait to get to the end to see if your I-Pad had turned up or if there was finally a photo of you in your skirt! I can see you now have the IP but where is the photo, you're just teasing us girls aren't you :rotfl:

My own MFW journey is ticking along but I hit a major hiccup this month in as much as I've got caught up in the HMRC problems so to cut a long story short I owe them £4862 for 08-10, a further £1818 for 2010 to date and then I also spotted they had underestimated for 11/12 so all in all just shy of £7000 that I hadn't banked on - not good!

katsu

Billy - which one came - the lost one or a replacement?

[Deleted User]

Yay on the ipad turning up! I am usually about 5-10 years behind when it comes to technology so will probably get one in about 2020!

My bathroom is also starting on the 11th- how spooky! Its obviously a MF date to have it done eh?! before and after photos pls to inspire me! wish I could get a jacuzzi bath! thatll be for the house-house I think!...one day...!

also working hard to join the MF brigade! :rotfl:

wynnvegas

Hi ATT,

My first foray onto the forum With the iPad so please forgive any typos! That's absolutely disgraceful about the tax. I thought they were forgiving a lot of it due to it being down in large part to their gross incompetence? Is there any way to appeal the decision?

I'll wow everybody appropriately with an "in-skirt" photo. I'm still waiting on a couple of the bespoke accoutrements arriving inti the design shop and those should be in this week.

I've never used groupon yet but I did see everyone on the grab bit board going on about it afterward. Getting the 50% off and 12% quidco was grand. It was only for 12 pots of moisturiser and 18 bottles of shower gel for Moyra. I'll need to keep a better eye on it now!

I hope the damnable tax folks relent and don't hit your overpayment schedule too hard. I'm properly gutted for you with that.

Cheers,

Billy

wynnvegas

Hi Katsu,

I assume it's the original one as I had to fill in a form telling them I hadn't received it earlier in the week. What appears to have happened is that the delivery person (the nefarious W Watson) has signed fir it themselves and left it outside the front door of the office. At no point had the chain of subcontractors managed to identify that this had cured so me mincing about the office hunting for an iPad in vain could and should have been avoid but no-one comes out with any credit from the while affair.

Now that it's here, appropriately jail broken and working fine, I am all kinds of impressed. There's a free app store which has so far saved me about £100 in downloads and, best of all, there's an app to download tv shows by the series, films that aren't even out at the pictures yet and as many CDs. And books as I can shake a stick at. Just in the middle of Limitless just now. It's definitely time to dump the PC so that's a job for the weekend.

Cheers,

Billy

wynnvegas

Hi TYO,

That is weird. We'll need to have a bathroom showcase! Can't say I'm overly proud of the current bathroom but I'll stick a couple of pics up ahead of the new one going in. As I've said, the iPad is well worth getting. We're dumping the PC and the office and going down the iPod, iPhone, iPad and apple tv route...not that I'm a slave to overlord Jobs at all!

That and the keyboard is brilliant on it. I prefer it to the laptop keyboard and, for a change, the autocorrect seems very intuitive.

Cheers,

Billy

abouttimetoo

wynnvegas wrote: »

Hi ATT,

My first foray onto the forum With the iPad so please forgive any typos! That's absolutely disgraceful about the tax. I thought they were forgiving a lot of it due to it being down in large part to their gross incompetence? Is there any way to appeal the decision?

Thanks Billy, I did appeal (to both levels of escalation) but I knew from the word go it would fail as I didn't meet the criteria; the law is that they have 12 months after the end of the tax year they were provided the information in to respond/react to it. What this means in practice for example is for my 08/09 year they received the correct info June 09 but then have 12 months after April 10 (so April 11) to deal with it. Their mission statement says they committ to dealing with it 'in a timely' manner which looked like a loophole for me as nearly two years is surely no-one's idea of timely but unfortunately the HMRC legal defintion of timely is i've I've quoted above. I must confess I also had somewhat of a moral dilemma as after cheking all the calcs I could see that I owed the money so I do feel obligated to pay it as I hate reading about people who wriggle out of paying stuff and whilst it's a big blow to my financial plans I didn't want to be a 'wriggler' The calcs actually turned up a month after the demand, great ay... The remainder of the money will be deducted via tax code alterations

wynnvegas wrote: »

I'll wow everybody appropriately with an "in-skirt" photo. I'm still waiting on a couple of the bespoke accoutrements arriving inti the design shop and those should be in this week.

Looking forward to it aren't we GG and Katsu

wynnvegas wrote: »

I've never used groupon yet but I did see everyone on the grab bit board going on about it afterward. Getting the 50% off and 12% quidco was grand. It was only for 12 pots of moisturiser and 18 bottles of shower gel for Moyra. I'll need to keep a better eye on it now!

Yes, it's MOST definatley worth looking at and even better you can do it via Topcashback.com so you discount on your discount, how mad is that! They seem to do everything under the sun, from holidays, meals, that fish nibbling hard skin malarkey and many beauty treatments (do you need any leg waxing for the skirt? :rotfl::rotfl::rotfl:)

The vouchers I've had so far have seemed really flexible e.g. I had one that cost £5 for £20 off the bill at a restaurant I like, often with offers there are T&C's whereby it only applies if you order certain types or amounts of food but no, it's as it says on the tin and I know lots of people who have been very happy with the service. I know you and Moyra like the 'finer things in life' so you must keep an eye on it

wynnvegas wrote: »

I hope the damnable tax folks relent and don't hit your overpayment schedule too hard. I'm properly gutted for you with that.

Thanks again Billy, but it's definately a done deal I'm afraid and I now just need to pay them. I don't keep a large amount of savings as I either throw it at the mortgage or shares but my parents have kindly offered to loan the £4862 to me so that I can get HMRC off my back; apparently I could have come to some interest free installment arrangement with them but TBH I don't much trust them to administer the payments correctly so whilst it pains me for them to get the money in one go when I think they've acted so badly I just want it done with. The fact that it was also me that spotted they'd done the 11/12 calcs wrong which would have meant I owed them again next year has not done much on the trust building front

abouttimetoo

wynnvegas wrote: »

Hi TYO,

That is weird. We'll need to have a bathroom showcase! Can't say I'm overly proud of the current bathroom but I'll stick a couple of pics up ahead of the new one going in. As I've said, the iPad is well worth getting. We're dumping the PC and the office and going down the iPod, iPhone, iPad and apple tv route...not that I'm a slave to overlord Jobs at all!

That and the keyboard is brilliant on it. I prefer it to the laptop keyboard and, for a change, the autocorrect seems very intuitive.

Cheers,

Billy

Re bathrooms, lol, I'm beginning to think we need a NBW and BD (New bathroom wannabe and bathroom done) sticky on here as there seems to be a huge amount of people discussing their bathrooms on here over the various threads.

Have you used a Apple TV before Billy? There's a hotel chain I use frequently called Mint (used to be City Inn) and they have them and the Apple TV's are one of the reasons I no longer like staying there, they seem to freeze regularly and do all sorts of perculiar things, call me an old g*t but I do miss not being able to see what channel number I'm on or the ability to just press the channel number on my remote. It might just be the way the hotels have them set up but all the Mints I stay in have the same problems with the Apple TV's and manys the time i've just wanted to throw them out of the window (no I'm not a Rockstar hiding on here) as my levels of frustrations with them shoot through the roof, it's not like I'm against Apple products or don't understand them as I have a couple of I things myself and I'm good with tecnology!

I know you travel on occassion for work, perhaps you could get a night in a Mint and have a play with one and see what you think, they are properly hooked up for the PC bit too