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

wynnvegas

Morning All,

Day off to a bad start. The car insurance came through and had the additional driver as Moyea. That typo has cost me £17.50 for a new insurance certificate so Admiral aren't popular today. Added to that, Moyea (as she'll now be known as punishment) managed to smash the shelf on the mirror in the bathroom. The mirror (at around £150) was bought because of the shelf so we could have saved ourselves a lot of hassle and money just buying a mirror after all. I'm not sure if breaking part of a mirror gets you just a percentage of the 7 years bad luck...

Still, these things are sent to try us. Got lunch with a supplier in a few minutes so the day should be looking up from hereon in. Moyra's birthday plans are coming along nicely. We're going for the 30 rubber duck items and 30 "Moyra loves" items in a box or two aside from the main presents. She's really easy to buy for and is a big fan of tat so we'll collectively fill our boots over the next couple of months!

Onto money. Still waiting on a £180 cashback coming through from Quidco. Got just shy of £100 in a tax rebate. Banked my £200 fee for my wee work favour a few weeks back. Expecting a whack of reimbursements from the taxman about the professional membership fees (at long last!) in the coming month or so. Got £115 to pick up for buying pants in Vegas tonight and £100 for buying jeans tomorrow. Should have a loan repayment coming shortly from Moyra's mum and dad (hopefully at the £250 level again!) and, thereafter, we'll count down the days to payday as usual.

Hope everyone is grand and dandy.

Cheers,

Billy

[Deleted User]

aw Billy , not a good start to the day but at least its Friday eh!:beer:
hope the lunch went well, good luck on the pressie buying! What a bday pressie for Moyra (or Moyea) to be MF by 30 tho eh! is the novelty wearing off yet?

abouttimetoo

wynnvegas wrote: »

Morning ATT,

I haven't the first idea what dyno-rod is but it sounds more exciting than it probably is!!


Billy

Jeez Billy, I thought you were a man of the world, fancy never having heard of Dyno-Rod, I hereby assign you some homework to google them and then write a hundred word essay here on their services:rotfl:

They provide lo-tech to hi-tech drainage services of all natures. As you can no doubt guess due to my plunger reference mine was a lo-tech need, thank god for my finances it wasn't anything more serious. My shower just suddenly started not draining away and was filling up at an alarming rate so it was a race to get washed before it overflowed as it was like standing in the bath. I'd already tried a few other methods, domestos, bicarb+vinegar, items from hardware store but all to no avail. So finally i got the experts in and whilst I'm really pleased it was nothing serious it is still a lot to pay, as I say would have been fair happier if I'd seen the guy working up a sweat and taking ages to fix it for a £90 fee. That said in all seriousness I'm just relieved it's sorted.

wynnvegas wrote: »

Morning All,

Day off to a bad start. The car insurance came through and had the additional driver as Moyea. That typo has cost me £17.50 for a new insurance certificate

ouch

wynnvegas wrote: »

Onto money. Got just shy of £100 in a tax rebate. Banked my £200 fee for my wee work favour a few weeks back. Expecting a whack of reimbursements from the taxman about the professional membership fees (at long last!) in the coming month or so.
Cheers,

Billy

Ooh, now you are really rubbing it in Billy! Remember my tax saga, well it's still not sorted! I rang them about 10 days ago as I've not heard anything since March despite them saying I would. They tell me that they have since sent two letters, neither of which I have received so that makes three missing in action since this saga started. They also mentioned a number which I didn't recognise and when I queried it they said they have recalculated and I now owe £700 less which while this is good I've no idea how as I'd already reconciled and agreed their figures. They said they would send me a new paying in slip which has arrived and it's literally blank so I've still nothing in writing as to how much I now owe or how it has been calculated. There's more to tell I'm afraid but you may now be asleep so I'll just sign off with the fact that I'm now receiving about £400 a month less in my salary than I was 3 years ago... plus I still have a lump sum of about £4k to pay

Anyway, good to see that the BOB (Bank of Billy)TM is due to recoup some monies :j

wynnvegas

Hi TYO,

Not even a wee bit. The novelty remains but we've not yet managed to properly reap the benefit of being mortgage free with the various outlays. £14,000 on acquired debt, £8,000 on the home improvements, £7,000 on the Vegas trip and £2,000 on iPhones / iPads and speakers. Now that all that is in place and we're about 50 days from clearing the acquired debt, "fun" mortgage freedom is just around the corner. 2012 will likely contain a new kitchen, a new car for Moyra, a summer trip to Vegas & Hawaii and the purchase of land... 2013 might be the beginning of the fun!!

Cheers,

Billy

wynnvegas

Hiya ATT,

Apologies - it's just about to get worse! My phone call to the tax office to talk through professional subscription reclamation prompted the guy on the phone to mention that he thought I'd overpaid for 2010-11. I told him that I'd had a cheque through but, lo and behold, he was clearly right as a second cheque arrived today for £720.85. Still got my reclaim cheque to come for something about £500 as well. Me and the tax man are getting on well just now. Can't believe your fight is still going on. I'm still properly unimpressed on your behalf at getting landed with that bill.

As for dyne-rod, challenge duly accepted. Sounds well out of my areas of expertise. Lo-tech drainage and waste pipe activities and me don't sit well at all. I've got an OTT Shawshank end sequence going round my head...

Cheers,

Billy

Froggy-G

Bonjour Billy!

Any news from the architect? How did the pay rise negotiation with the boss go?

Cheers
Froggy

black_taxi_2

i went on a 5 day trip vegas about 5 years ago

stayed harrahs--but spent most of time other hotels---food/buffets so good.impossible to diet vegas--no wonder elvis died
had lunch at ceasars palace shopping precint--has blue sky painted over ceiling----i was full after the starter---managed to stare at main course

liked sitting in wyn--where sport screens were-with drink----horse racing/other sports.

went by coach 1 day --hoover dam/grand canyon----so immence its hard to take in scale---gave me vertigo---tiny rail with a mile drop--

could never live there---but its great getaway from normal routine

originator

Hoover dam is something else saw it from the plane to san diego few years back,that colorado river is immense.Going again on Tuesday,just hope I get a window seat again!

wynnvegas

Butoh Mwongon Froggy,

Nothing from the architect. He's on holiday just now so it will need some chasing up. We may have to revisit our plans anyway with some of the events of the last week presenting an oportunity or two.

Haven't managed to arrange my review as yet and the boss is on holiday next week so it will give me a bit of time to properly prep the achivements of the last year and firm up objectives for 2011/12. I know exactly where we need to head onto so it will be another positive meeting about driving through necessary changes. I'll need to discuss with him my remit as I'm stepping more and more away from the HR side of things these days and that may well be something that continues as we push on. I wouldn't say I've had enough of the transactional HR stuff but getting into the more strategic side of things is much more fun. I think there may yet be a salesperson in me!

Cheers,

Billy

wynnvegas

Hi Black Taxi,

I'm more and more inclined to think the hotel choice is pretty irrelevant. Outside of the pool area, the hotel doesn't mean much to me so paying $50 a night at somewhere like Monte Carlo against $200 a night in Wynn / Bellagio just doesn't make a massive amount of financial sense. We normally visit 5-10 casinos in any given day when we're in Vegas but we still prefer the south end of the Strip. If we rule out Hawaii as a second week destination next year, we're going to cover off all the "near" Vegas things we haven't done in 7 visits - hoover dam, grand canyon, death valley, lake mead etc.

Have a great holiday.

Cheers,

Billy