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

adwat

You're an example to us all that you can pay off your mortgage early and still have a life! Keep up the hard work!

wynnvegas

Thanks RT,

It's a bit selfish to be thinking of ourselves but I do now regret the £14k we gave away (particularly now that we're getting it back at a mere £100p/m. Again, in the long run, it won't be worth bothering about but knowing that we're now a lot more likely to have to take out what is an unnecessary mortgage is a bit of a downer.

Cheers,

Billy

wynnvegas

Hi Adwat,

You're one to talk. That's amazing progress - look forward to welcoming you to the club in short order.

Cheers,

Billy

wynnvegas

Evening All,

Just had confirmation that my bad cop routine of a couple of weeks back worked far better than I had hoped. My company has just grabbed the better part of an extra £50k as a result of me putting a couple of jobsworths in their place. Phase two will be a concerted attack on said jobsworths to get them knocked out of the next negotiation phase.

Cheers,

Billy

Froggy-G

Billy, no update?!!??!?!

Have you melted in the Sottish sun??

Froggy

[Deleted User]

Hope all is well
Well done on the bad cop routine too!

wynnvegas

Tena Koe Froggy,

Burned a wee bit certainly. Our pasty white skin isn't used to the celsius figure containing two digits! We went a bit of a wander on Saturday not quite realising how nice a day it was going to be and, as such, didn't bother much with sun tan lotion or the like! Hope it's as glorious down your way.

Cheers so,

Billy

wynnvegas

Hi TYO,

Thanks for that. Everything is going more or less swimmingly. The money situation is looking up, the land situation is looking up, Vegas is impending and work, home and everything inbetween is on a perfectly content keel. The only thing that hasn't been going brilliantly is the amount of time we've managed to spend with family recently. I've been neglecting my duties as son / brother / uncle / nephew and cousin just a bit but we'll have a quick run round everyone with presents when we're back from Vegas to make up for a wee period of absence.

Hope things are good for you. Haven't caught up with your diary in a wee while so I'll rectify that today. How is work going now?

Cheers,

Billy

wynnvegas

Morning All,

And a glorious, sunny Scottish morning it is as well - wonders will never cease. This is the fourth successive day of sun so it can now officially be called a heatwave. On our wander at the weekend, we seen the traditional signs of a Scottish summer out in force - lobster-red people, many moobs on parade and people moving their miserable lives all the way outside to their front step and, predictably, everyone complaining that it's just to hot. We decided it was a nice enough day to take a longer walk so we ventured out for a few hours on Saturday. Ten miles, some worryingly sore joints (30 doesn't come without it's troubles, it would appear!), three litres of water and a couple of ice-creams later, we collapsed in front of the telly to watch the tennis and make up a bit of ground on the planner. Sunday was a bit more relaxing with a game of badminton, a significantly smaller walk, a bit of gardening and a general tidy of the house.

Last week was a bit all over the place. I was away for a few days running appraisals and disciplinaries up and down the country (just Scotland this time though) and Moyra was away to that England for her annual school trip to Anfield, Old Trafford, Alton Towers and, her reason for going, the Old Trafford Centre as she calls it. Her plan to go mental on the shopping was curtailed a wee bit by me protesting that we're below the poverty line just now (seeing as we're still yet in debt) and mentioning that she's already got a couple of thousand dollars to go shopping with in Vegas (more if we do well on the machines!). She did restrain herself to around the £150 mark and, in a lot of excitement that passed me by completely, got a half-price silver dress from Coast for £80 so it proved successful all in all.

We were speaking to a couple of good friends on Friday when we were at their house for dinner and they seem more keen to move on the idea of building a house next door to ours. As such, we'll expand our search to incorporate plots that will fit two big houses (although the architect thinks that two acres is more than plenty to be planning a single house on anyway). Other than the inherent threat of Shane carrying out his threat to use the intended driveable lawn mower to carve a Rangers crest into my back garden, they'd be absolutely fine to live next door to. Julie already has plans to open a dog hotel out the back so there may need to be some additional design work to ensure that we get everything we want on-site. Outwith the intended kennels, we've got every chance of building two big houses including a swimming pool, pub (incorporating snooker, pool, darts and Vegas slot machines - Texas Tea and Lucck Larry's lobstermania at a minimum), gym and cinema room. Moyra joked about opening a small shop to ensure that, should the mood take us, we'd not need to leave the house for anything other than work. With my penchant for clearing the shelves of decent deals and the slight redesign to the big house to incorporate a sizeable larder, we may well not be that far away from that reality when it comes to it being finished.

So that was more or less last week in a (bigger than intended) nutshell. This week, the plan is to tidy up a few pieces at work, finally get on and get the requisite dollars for Vegas, have at least a couple of shots at the gym and swimming pool, clear the sky planner, get onto a PPI reclaiming frenzy on bahalf of the mother and experience the sunshine as much as possible!

The PPI thing got me thinking as Moyra's mum phoned the other day to say that she had made a successful claim and is due nearly £4,500 back this month. Any prospect of us getting that money as a decent dip into the acquired debt seems to have been quickly ruled out as it has transpired that Moyra's mum and dad have ANOTHER credit card that they didn't want to tell us about. That is the reason why they have only been able to give us £100 a month for the last three months so it's mildly annoying to say the least. I'm pretty sure that lending £18,000 to bail them out instead of just over £14,000 wouldn't have been that much more of a deal to us at the start of the year. What it has convinced us of is that we'll not get involved (other than advice, guidance and assistance that doesn't cost us money) in other people's finances again. It feels like a bit of a slap in the face to have found out that they were only being partially open with us when we helped them earlier in the year. That the £14,000 we've already given will, in the event of us picking up land, end up costing us money through having to take out another mortgage, doesn't seem to matter to them. To be honest, with that money, we could have finished all the things we want to do to our house, been well on the way to getting Moyra's new car and be a year closer to getting the big house - lessons learned!

Hope everyone is grand and dandy and enjoying the sun. Long may it last...

Cheers,

Billy

Sepa74

Oh Billy, it sounds like you and Secret Saving Squirrel should head down the pub and drown your family related financial woes!

Family, eh?! Can't live with 'em, can't live without 'em.