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

wynnvegas

Thanks ATT,

Feeling properly inappropriate now!

Cheers,

Billy

gallygirl

Billy - :grouphug: for your payrise!!!! Way to go :grouphug:!!!!

wynnvegas

Thanks Gally,

It is still likely to be a busy year ahead but the pay rise should see us hit our ten grand rainy day fund without a problem before the end of the year and put us in a position to stick £3k a month away to the land/big house fund. We've got the new kitchen, floors and doors to finish the inside of the house and the landscaping and guttering on the outside. £20k should cover the lot, leave us in a really nice "squalor" with another £10k going toward next year's Vegas jaunt. Thereafter we can go really hard at the saving/investing piece.

Cheers,

Billy

[Deleted User]

woop on the payrise!! well done!!
hehe on moyras shopping- I know the feeling of going looking for one thing and coming back with all kinds of unecessary purchases!.....for example meself went to town get just bacon for sarnies for lunch came back with:
bacon -correct!
sandwich fillers and cheese (needed but not very mse)
an eraser with a cute message on it
a gingerbread man (skeleton- halloween style) for mrtyo
a cupcake (well half a cupcake cos I ate some)
halloween sweets
It could have been clothes too but luckily saw the error of my ways and stopped at just the other junk! :rotfl:
Its a girl thing ya know!

sisters pressie sounds cool , Im sure that will give a great incentive to save....

wynnvegas

Thanks TYO,

I know the feeling. Moyra's shopping tends to be more expensive but I'm not to be trusted in view of the supermarkets. Tonight I went for milk (Farmfoods) and Beans (Lidl) but came home with 2 bottles of milk, two jars of pickles, 10 packets of sun lollies, 24 cans of beans (and that's only because they didn't have any more left at Lidl - no fear, there's a better offer kicking off tomorrow at Tesco!), three bottles of hot pepper sauce, four candles, some ice cream snickers and a packet of sports mixture...

Cheers,

Billy

abouttimetoo

wynnvegas wrote: »

Thanks ATT,

Feeling properly inappropriate now!

Cheers,

Billy

Billy, Billy, Billy, you should know better than to give me and Gally leading lines like that :rotfl:

By the way, very remiss of me, I meant to congratulate you on your pay rise and the big strides you are making with the plans and savings

PS, sorry, i can't resist it for any longer :grouphug:

abouttimetoo

Hi again

Billy, I don't know whether you and all your gadgetry are in the market for some kind of secure encryped data storage but FB (who you might know is an IT man anyway and knows his stuff) has been talking about a service he has signed up to on his thread.

There is a certain amount of free storage and FB has a promo code and also gets increased space himself if others sign up using his link

A couple of us have signed up already and just thought you might want to have a look what with you and Moyra's expanding gadget empire :rotfl:

wynnvegas

Stop touching meeeeeeee!!

Hi ATT,

I'm pretty sure the developer of pacmen on this site knew exactly what they were about with the gang rape pacman so they get excellent pass marks for their sense of humour.

Sounds a wee bit like dropbox. I'll pop over to see FBs diary to see if there's anything I can do to help. My IT wizards are introducing me to office 365 and InTune at the moment and there's some properly decent tools to play with there.

Thank you for the congratulations. Found out today that the backdating will only go to July so feeling less than impressed at being £400 down already. We were looking at houses last night with Moyra getting ever more frustrated. It's a sad state when you can't find anything nice to say about the £450k houses in Scotland. Alternatively, those in the £2.8m bracket are very nice indeed!!! Seriously though, we did see a stunning house at £799k which is well beyond our budget but it has given us a few more ideas about the big house.

Cheers,

Billy

abouttimetoo

:mad::mad::mad::mad::mad::mad::mad::mad::mad::mad::mad::mad::mad::mad::mad::mad::mad::mad::mad::mad::mad::mad: That is twice this week Billy that I have typed a post on your thread while I have definately been signed in and then it has asked me to sign in again and lost my post! Grrr, it was quite a long one too, let's see if I can remember what I said, errm...

ROTFL laughing at your stop touching meeeeee, that proper tickled me and no, I'm not making a pacman related pun.

Yes, it's a shame that your £400 is missing in action but it's still great that you have been backdated to July. You'll have to go canny now Billy, the 40% tax bracket must surely be looming now, that's if you haven't already hit it.

I can imagine that the house/land buying frustrations must be increasing, hopefully when you do get cracking you will have so many plans and decisions already made that things will really move at a pace. I saw a newspaper headline a couple of weeks ago saying a £1 million house is sold every two weeks in England. I think it's human nature to be drawn to the thing that is a level or two above our budget, or is that just me???? When I bought my first place it was £69, 950 and I really loved it and was very happy there but I did have my eye on the £85,000 one, these days I wouldn't really turn a hair at £15k but back then it might as well have been £15 million it was so far out of my reach....

My neighbour has just gone up for sale, I believe there are pressing reasons to sell but I'm still not impressed with the price they have gone up at as I think it's about £30k less than they paid about four years ago. Whilst I'm not intending to move it did make me think what mine is worth in comparison as mine is bigger, far better layout and other niceties etc

Yes, i think FB's back up thingy is along the line of dropbox but from what I can gather has a couple of whizzy bits that dropbox doesn't have?

Regards
ATT

wynnvegas

Hi ATT,

I did the same a couple of days ago (although it's opening a new window on the iPad that tends to do for my posts) - properly annoying. The £400 isn't a massive deal. Unfortunately, at £44,200 there's no getting away from the 40% tax band. I can't complain too much about the tax man recently though...

It definitely is something that every house buyer must fancy going for. We were ignorant enou not to fall into that trap as we had assumed £100k would be our limit. We looked for houses in that bracket and were properly shocked to find that good ol' northern rock were willing to offer us £130k (this was when I was on £21k and Moyra was on £19k and we had not a penny of a deposit. Can't say I wish I was ten years younger - we'd be still stuck at home!

The big house is the one where we'll really push the envelope. We can get a mortgage at £320k these days which should theoretically give us just shy of half a million as a budget. I'm still confident that we'll be able to buy our plot in cash or buy the land and then rattle through paying it off. That way, it may take a few years more but we'll get to save enough to finish things off with a relatively small mortgage attached. We can definitely save £36k a year now so with a few good investments in the next wee while, we should hopefully be able to increase the big house fund pretty substantially. The overarching hypothetical is for us to be mortgage free in the big house by 40.

We're being offered houses as buy to let opportunities that are well below market value due to money troubles / divorces etc. I'm still not sure it's the best road to go down but a good mate of mine and I have the cash to throw at such a venture (maybe 4-6 flats as a starter) and I know a joiner that can do all the work very reasonably (or as a partner). We'll certainly be investigating that in the next wee while.

Cheers,

Billy