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

wynnvegas

gallygirl wrote: »

Em, I understand the 1st bit, but what's a city walk-in wardrobe

Morning Gally,

I got it! Thought it best well left alone....

Cheers,

Billy

wynnvegas

Phelpsie001 wrote: »

Sorry to be dim, but I have just realised that I have no idea what an 'Acquired Debt Project' is? Sorry if you have explained this previously!! You are doing so well though!! The big house fund is a serious chunk of money now =P

Morning Phelpsie,

It came earlier this year. We found out that, between them, Moyra's mum and dad had managed to dig themselves a £14,000 hole and that they were being hammered with interest and charges every month which meant a lifetime of debt for them. We were able to clear £6k from their debt pile directly and we took the other £8k on a 0% card which, between the bathroom /spare room being done and the Vegas trip, we've only been able to chip away at in recent months. Thankfully, we're ever closer to wiping the slate clean and Moyra's mum and dad are paying us the money back over the next five years.

I wish it was a big chunk of change. All of that is tied up in the current house! We'll really get motoring in the next wee while though...

Cheers,

Billy

wynnvegas

Brodiebobs wrote: »

from the film sex and the city, carrie has a huuuge walk in wardrobe for all her designer clothes, shoes and handbags.....

*de-lurks*

Hi Brodiebobs,

Thanks for popping in. After all the fuss about it, I decided to check it out and it isn't half as bad as I had thought it would be. I think there's likely to be a lot more space in Moyra's than that so if she ends up with something similar to the daft looking bint from the show, I won't be complaining. She's only got about three pairs of shoes so there's no need for that sort of shoe shrine...

Cheers,

Billy

wynnvegas

gallygirl wrote: »

Oh, 'sex and the city' walk in wardrobe, not 'sex' and 'city walk in wardrobe' . Hope Moyra has better taste in clothes than some of the frightful stuff SJP wears :rotfl:

Hiya Gally,

I'm pretty sure that wouldn't be hard. Looking like she does, you would think drawing attention to yourself would be the last thing on your mind. If the wardrobe comes with a necessity to dress like an idiot, the plug will get pulled on it pdq!

Cheers,

Billy

Lois_E

wynnvegas wrote: »

Hi LP,

Yep, South Lanarkshire. We were in a wee place called Dolphinton, part of which is in South Lanarkshire and part of which is in the Borders. A bit more of a drive for me but worth it. We're still looking everywhere from the Borders to just above Stirling so a lot of options still to consider. Will post pictures of the sites we visit to garner opinion.

Cheers,

Billy

Ooh. Yes please. Pics would be lovely.

wynnvegas

Morning All,

Busy and generally decent morning so far. Decided to put my tax rebate #2 to good use and we've begun the front garden project today. The trees (two of which are now coming in at a decent 35 feet) are being lopped down to about half of that and all the crappy bushes and such are being ripped out as well. A couple of guys came round last night and offered to do the lot and take all the rubbish away for £600. Seeing as my last quote was £500 just for the tree topping, that'll do fine! We can then have a good look at what we're going to do with the general area so we've got a couple of landscape gardeners popping round next week to give us some ideas. We need to build a bit of a wall and get the slabs relaid so that they're not as wobbly as a couple currently are. I would imagine another £500 would get it looking pretty decent and keep it low maintenance. It was the show home many moons ago so we'll get back some of it's old glory in the next few weeks.

Also lopped another £2,500 off the acquired debt pile and that's before I get paid. Unfortunately, the most we can afford this month is another £1,000 to it but we'll probably just wait until next month and clear off the remaining £2,000 at the end of September. Nothing new from the architects as yet but we'll chase that early next week as well.

Hope everyone is grand and dandy and looking forward to the weekend. We've got family round on both Saturday and Sunday and we're round at friends for dinner tonight so the weekend has been planned to the nth degree again by Moyra. Off to that England next week so I could have done with a bit of rest but I'm reliably informed that there is no rest for the wicked...

Cheers,

Billy

Froggy-G

Morning Billy!

I can't believe you are taking away the one feature I love so much about your house!! The wobbly paving slab!! :o:o

So still searching for your wee bit of hill & glen then?

Well done on the quickly disappearing debt! Am sure it will feel very good once thats done & dusted..

Have a fab day!

Froggy :rotfl:

wynnvegas

Gate Hon Froggy,

I'll miss it when it's gone to be sure! I'll pop a wee picture of the barren piece (as it will be tonight) and hopefully a couple of garden lovers will be able to suggest a couple of things. My stab at sticking a ledge down the bottom, layering it and throwing down a load of bark with a line of dwarf conifer type things is in the lead at the moment - not least because it's the only idea in existence for it.

Whilst there's no desperate rush for the land, it would be nice to be out and seeing more options at this stage. With the way the market is just now, even if we seen the ideal piece of land, we could probably strike a payment deal over 10-15 months with the owner to avoid remortgaging which would be a bit of a winner. Everything still up in the air just now though.

The acquired debt is even more annoying now that there's just a wee bit left to go. Can't wait to get shot of it. I was trying to work out if there was any way to push it away this month but we're about £650 short of being able to wipe it out so another month of toil to trudge toward debt freedom it is. That being said, if the taxman comes through for Moyra's dad (£4,000 p87 cheque should be sent this month - not sure how much I'd get of that mind), Moyra (£700 in professional fees going back five years) or me (£700 in professional fees going back five years), we could still bump it early...

Cheers so,

Billy

wynnvegas

Morning all,

How does that old saying go? Ask from the taxman and ye shall receive? A cheque for £537.99 (apparently I claimed 2008/9 through expenses - these people miss nothing!) for me today. That takes the taxman's sorry to me over the last five weeks to just a smidge over £1,400. Front garden mess is very much gone so we now need to decide what to do with it! At least we now have the money to pay for it without it causing trouble with the budgeting....

Cheers,

Billy

abouttimetoo

Hi Billy

Just to let you know there is a large article in the Mail on Sunday today on building your own home It's in the personal finance section and covers items such as mortgages, tax planning and insurance. Also has soundbites from people who have been through the experience.

Not sure if you can get the article on line but it could be worth trying. The journalist is Stephen Womack if that helps.

Doing this on pesky iPhone so apols in advance for any typos.

Regards
ATT