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

wynnvegas

Thanks ATT,

I'll find it and have a wee look. Thanks for keeping me in mind and pointing it out.

Cheers,

Billy

wynnvegas

Morning All,

Busy day again today after a fairly relaxing weekend.

Dinner at a friends on Friday. Me and the guy are thinking of business ventures we could get into but we need to sit down and formally do something about it as we've been mulling the options for over a year now. Moyra went househunting with the other half of the partnership as they're all for us both renting out our current squalors and moving into a big house with land right away. That would mean renting out our current houses and picking up a mortgage for somewhere in the region of £600k. Can't say I'm overly keen at house sharing - regardless of the end goal.

Had my cousin and his girlfriend round for dinner on Saturday which went very well. He's unfortunately being made redundant this week although it would appear that I may be able to use my knowledge of such things to push back a good bit on his behalf.

Had Moyra's mum and dad round on Sunday. A couple more financial tales of woe but I stood firm and said that we really needed them to up their payments this month to £200 so they're going to muddle through - I still think I'm better than the bank when all is said and done but we won't be taken for mugs.

Had to dole out advice to a couple of wee businesses this morning in my consultancy guise. I'm pretty sure there are dodgy dealings being perpetrated against one of my guys so we've launched a sting operation to sort them out. Could be an interesting meeting ahead. Might have to buy one of these much fabled guns after all!!

Just about to head off to the bank to cash the last tax refund cheque. There's been a delay in Moyra getting hers so we'll find out in the next couple of weeks what's gone on there. I got paid today so we're in the oh so frustrating position of having enough money to pay off the acquired debt if we weren't taking the normal monthly bills into account. Just 30 more days of indebtedness to go...

Had another couple of Moyra's birthday present come. I need to sit down and make a proper list. Whilst the 30 ducky items have been collated and ticked off, the 30 "Moyra loves" items are far less complete. Will get onto the case properly this week.

Kicked off my latest fitness kick on Friday. Got EA Active 2 for the Wii and, if the constant pain I'm in is a good indicator, it seems to be working alright. I've got my wander to have just now and then swimming and badminton after work. May have another wee cardio blast between swimming and badminton whilst I'm on it as I'll likely have no time for exercising tomorrow as I'm driving down to that England for the day...

Hope everyone is grand and dandy.

Cheers,

Billy

wynnvegas

Morning All,

Need to check it out in a wee bit more detail but, even with the council tax still to come off, it looks very much like we've somehow got the money to clear the acquired debt next week. My budgeting clearly isn't up to much as I couldn't see a way that we'd be able to clear it before the end of September. Still got expenses and Moyra's tax refund to come as well as a couple of loan repayments from family so I'm delightable today.

Been to see another potential site. Had to debrief the architects as the stuff they're pushing us to some rubbish options. I'll stick the pictures I took up later but the proximity to other houses, plot size and lack of views on three sides were all so unacceptable that we should never have been pushed to it. Worse still, Moyra is now trying to push compromises on our desired spec which just aren't happening. She suffers from a severe lack of patience! I'm sure we'll know right away when we see the site that's for us but I'm for doing it right or not at all.

Had a pre-meeting with the chairman on Friday. I'm pushing for a good bit more responsibility in my place. I need to start cracking heads when people don't perform and there's too much of that going about. I can fix the whole thing if I can get a remit to do so. Whether it comes with more money is worth a chat. It probably is so we'll see how that works out.

Still recovering a wee bit from my tartan army excursion yesterday. Between having to force our way of a broken down train, louping fences, wandering through people's houses, making a dash for kick off and having my leg nearly broken after a second goal humpy, it was one of the more eventful Saturdays of recent weeks. Having a very relaxed Sunday...

Cheers,

Billy

abouttimetoo

Morning Billy

Well done on being in the postion to clear the ADR. I know you always speak 'lightly' of it but I can tell how much it's been frustrating you so it's good that things are heading in the right direction. Hmm, the big question now is should I tease you about your arithmatic skills :rotfl: After careful consideration I've decided not to tease after all as you're usually on the ball so I'm sure we can forgive this slip up

Re you looking at unsuitable plots, I know it must be in a pain and that you and Moyra have a good idea what you want but I also think in a way looking at the bad ones will help shape up your ideas even more, you know what it's like when you want something done, it's only by seeing what you really don't want that you pin down what you are looking for. I'm probably rambling there so hope it made sense.

BTW, I see Justin Lee Collins is doing a TV series based in Las Vegas, if we watch it might we catch a glimpse of you running round winning money in the background :rotfl:

Regards
ATT

wynnvegas

Hi ATT,

Thanks for that. I won't take offence at the maths dig. It's the many and varied tax cheques that I hadn't banked on that have done us a real turn. Just to be on the safe side, I'll clear it next week but it's definitely great that it's very nearly gone...just in time for the mother to potentially need a wee bit of help as I understand it from her last night! Typical.

It actually has helped a lot. Seeing the first two has definitely firmed up out ideas of what we don't want so we can now be a bit harder on the architects to chase things through. It's really frustrating as you go down the Dolphinton road for miles and miles with brilliant views on either side only to find that the plot views are obstructed on three and a half sides so it's not as if the land isn't there. We did see a couple of long redundant commercial properties that looked sizeable enough to play with as a big renovation gig or, if doable, something to flatten and start again so we'll get the architects to check those out as well. They're both round on Saturday morning for a bit of a rethink as they have said, with the state of the market currently, a lot of people are not keen to move forward with their sales - damn their greedy eyes.



The first picture is from the back of the site so this would be part of the land that the house will stand on. The second is looking out to the left (about the best view we'd have if we had fancied this one) and the third is looking straight down and that house was an immediate issue as it's again just in the way.

I saw the JLC thing. I imagined that sticking JLC and Vegas together would have been a great idea. Wasn't keen on his Barry Gibb impression at all - although he may yet still be good enough to get a gig as the Barry in the Australian Bee Gees show. Hopefully it picks up a bit next week as I wasn't all that keen on the first episode.

Cheers,

Billy

abouttimetoo

Right, now I've taken that tax shaped knife out of my back I can reply BTW, on that note, they cashed my first settlement cheque yesterday so I feel like I'm getting some where now...

Billy, I can't see your photos, I am on a work system though so don't know whether the site they reside on maybe blocked to me or whether that is a daft explantion?

PS, I meant to ask you what a 'second goal humpy' means. I normally consider myself fully bi-lingual in English and Scottish but I've never heard of that one????

Regards
ATT

wynnvegas

Hi ATT,

Sorry about that. There's only one more tax cheque to come and it's for Moyra. If it makes you feel any better, you can think of your payments going to help my acquired debt project!! At least then it's not a senseless waste going back into the big pot to help the poor and workshy!

The pictures are photobucket thumbnails. It shows up fine on my laptop but I don't know if there's an issue with sticking pictures up on this site or if I've done it wrong...

It was a new one to me as well! Humpy: n. to enthusiastically celebrate a Scotland goal by having a bouncy group hug which may or may not push participants legs back into their seat causing lacerations, bruising and, in extreme cases, broken bones.

Cheers,

Billy

Froggy-G

Salut Billy!:j

Think your architect needs a good talking to.. We have no time to waste here.. We need to get started on the "BIG" one sooner rather than later.. I am with team Moyra to get things moving along..:rotfl:

Have you paid off the remainder of the debt yet?

Cheers
Froggy

LilacPixie

HOW can you not of known what a humpy is/was?? see you southerners tsk!! ha I spend about 20 minutes explaining what a clootie dumpling was a few weeks ago.. Billy hte pictures you put up look almost exactly like a plot we vaugly looked at up by tealing, foot of the sidlaw hills totally stunning but there is a !!!!!!! house spoiling the view not only than but it makes the garden area a bit overlooked too

wynnvegas

Kanakuru Froggy,

The architects were both round on Saturday and we should have a few more options in the next couple of weeks. There are a couple of folk who seem to own various bits and pieces of Scotland that they're going to discuss our plan with which will ideally throw up a couple of new options. I'm now definitely set on a site no less than 1.5 acres. No point having a garden when there is an option to have "grounds"! That's when you really know you've done something...

Acquired debt is very nearly paid off. The payment went this morning for the last couple of thousand but I won't count it as gone until the account balance is showing at £0. It's a happy day!

Cheers,

Billy