Be Excellent To Each Other

My last chunk of debt is paid off in Feb 2015, but I'm going to try to get rid of it sooner by overpaying. That'll give me nearly £5k extra a year to play with!

I presume you'll still have a mortgage? We're over paying on our mortgage so hopefully we can have it paid off in 8 years time.

That doesn't count.

I'm pretty sure I've got about 22 years to go on mine

I've got 29 years to go on mine. Go go 35 year 100% mortgage.

I think we'll be done with ours in about 10 years max. We've overpaid a lot. I really really want it completely paid off before we retire.

I have pants!

By which time I won't even have paid off my current debts, and won't even have a house to show for it.

My last post was a downer. So YAY for debt paying off.

I have had my 6 monthly prod and poke by my diabetic consultant.

bloods have gone from 87 to 54 (not a clue either) but it is good.

He says I need to lose weight as I have been this weight for 4 years. I explained I have dropped 2 jean sizes and where should I lose the weight from?
I am just destined to be big and heavy

Chop off an arm.

Shave your chest

I'm in a pretty similar position (except I think it was a 30 rather than 35 year mortgage) plus a good chunk of negative equity into the bargain. I'm just going to keep renting it out until the value comes back up a bit then sell it on though so I'm not too worried, although it does feel like a constant financial burden. I had the foresight blind luck to totally cheap out on a tiny flat as well which limited the amount that the collapse of the housing market fucked me over. My real worry related to it is that the current HMRC adverts will turn out to be more than just fear-mongering and they'll come after me for tax on the rent...

Drink more, kill more braincells!
Those things be heavy, yo.

If your rental income is less than the mortgage interest + maintenance costs of the house, you should have nothing to worry about.

That's good to know as it probably is less; or very close to anyway. Why does that matter out of curiosity? I thought they'd just look at any money coming in as 'income' and want to tax it regardless of what it might be balancing off against? Or do you just mean they're unlikely to bother going after anyone who's not making any kind of real profit in the deal?

You only have to pay tax on profits if you are a landlord. It's worth declaring though, as you can use a previous years loss to claim against the current year, if by some miracle you start actually making money!

Spurred by your post I bothered to actually look into this and I see what you mean. By the time I write off factors fees, letting agent fees, upkeep of the building, buildings insurance, 10% of the net rent as a 'wear and tear allowance', mortgage interest and the charge to my mortgage provider for renting the flat out I'm definitely losing money on the deal every month. The fact that I'm actually losing money on the stupid thing was the reason I was totally against paying any tax on the 'income' and it's somewhat surprising to find out the government actually agree with me on that! Heh, thanks dude.

Talking of debt paying offing, the change in my job and the not insignificant payrise it represents whilst I'm here should hopefully help me get myself on the straight and narrow that much quicker, particularly whilst I'm living at my parents. I'm hoping to be debt-free in about 3 years. I think it's probably doable in 2 years if I really buckle down. The aim at the moment is to pay off chunks of £1000 every month as much as possible, though naturally things seem to happen that prevent this. This month it was having to shell out over £400 on my fucking car. But still, yay!

good plan, dude. Stick at it. I felt much better once I'd cleaared my debts down.

Quite how I've got.myself into couple if grands worth of a hole recently I don't know - sure, wedding expenses but my outgoings are significantly fewer. Fucking inflation.

Just to balance it out I thought I'd post in here too.

Had a lovely couple of days in London catching up with people I hadn't seen for years in some cases!

Had my first ever trip to a casino, and the first time I've been to Borough market too (turns out I don't like orange stuffed olives). Had a lovely wander around Camden and bought a couple of bits; Joans keeps wandering his gaze to his new canvas wall art.

Sitting in a pub on a Friday afternoon enjoying a cider was a particularly nice treat. There is definitely something to be said for visiting London during the week!

Also; Fort!

I had a recruitment consultant phone me on Friday about a job opening at a company very near to where I live. It's working in the print industry again, which I was fairly pleased about leaving barely 6 months ago, but they're specifically after someone with print experience and Mac technical support experience - basically, they're looking for me. And apparently they've had a bit of a struggle finding someone else with my CV, so they're talking potential salaries well beyond what I currently earn. We're talking *a lot* more than I currently earn. So naturally I had to apply.

They've called me up for an interview on Thursday afternoon.

So that's a bit of a yay! It's a bloody weird yay, because I actually really like the company I work for now and really thought I had left print behind, but they're dangling the sort of money in my face that I can't just ignore. I mean, they haven't offered me the job yet or anything, I still have to interview, but I know I have exactly the kind of skills and experience they're after and print is such an incestuous business that I also know I've got really good references. So I guess we'll see.

Interesting times and all that.

Got home last night and my son is crawling! He is almost 9 months now

For the last 3 months he has taken to my IPhone, he likes to touch the screen but mostly chew it (its in one of those shock proof rubber cases)

Last night he was on his front about 3 meters away from me, he was grumbling as he thought I was going to leave the room. I put the IPhone on the floor and he shot across the room and grabbed it!

Weekend will be spent installing plug guards, baby gates and moving ground level objects

And I got home yesterday and the frame to that bit of the outside of your house where your gas and leccy metres are had been completely replaced! By magic.

The door had fallen off ages ago and the gas man or some kind soul had fitted a brand new frame and door while I was out. Didn't even tell me or nothing. Didn't even leave a note to tell me that they'd done it. Didn't want any thanks or nowt. Magic.

Are you sure you went to the right house?

just wait for the bill.

10 months later and my phone woes are finally sorted. After being sent a refurbed white iPhone 5 to replace my black one's cracked screen by the insurance, then suffering weak wifi signal and having it sent back for repair twice to no avail, I've finally been sent a replacement handset today. And because they don't have any 32GB in stock, I've got a brand new 64GB.

More relief than yay, I suppose. At least this phone will last me another couple of years now.

Had to drive down to maidenhead today for work. Grey and foggy on the way but clear blue skies on the way back so I had the sunroof wide open on my new car and the music all the way up and it was glorious.

And then Theo from dragons den overtook me.

I'd say that was a yay as well as obvious relief. I mean, as well as finally getting a proper functioning phone you have just a little something extra, which is always nice.

Yahhhaay! I just booked a holiday here!

Ace... Where's that?

in a town square? Caravan or tent?

Is that Ghent?

Don't plan on getting Muff

At this stage of my son’s development (9 months) it’s all about Mum, so whilst it’s no issue to be 2nd in the mind of somebody whose world revolves around 2 people I do feel the 2nd best thing now and again.

So last night I’m sat on the sofa and he starts to try and kiss me, but it’s more like a head butt\gum\bite combined. Then he lies on me and is really chilled out. So I call my wife and tell her he is being odd. She then tells me he is giving me a “love” and he does it with her all the time. So the first time he loves dad!

Then today I’m playing with him and hand him to my wife, he then gets really upset and my wife handed him back to me, he then giggled and gave me another odd cuddle\bite and was really pleased to be held by me.

There is no rivalry between my wife and I, but it’s so good to be flavour of the moment now and again!

indeed a yay! we have the perfect example of a daddys girl here and I know it feels great to be the one wanted/needed sometimes!

our daddys girl turned 4 yesterday

Yay!

My e-zine interview with Inspired Eye is out, and I got the cover! The contents and ad are here:

http://www.theinspiredeye.net/product/i ... e-issue-8/

Flick through the little preview thing to see a taste. I fear I cannot yo-ho-ho it your way, but you'll have seen all the photos already. Also, I'm so good I appear to be mentioned twice in the contents. As is tradition with editor Don Springer (sounds like a Mad Men character), his excellent eye, passion and street-photog skills are once again compromised by his talent for typos, which is why my name in one paragraph reads as Peter Evan's.

So now internet famous Peter Evan.

'grats!

Yes Pete!

Fantastic Pete, well done! That cover looks great!

Congratulations Pete!

congratulations pete!

that is awesome! I shall direct my photo taking friends to this.

Nice!

fantastic

Managed to get VIP 'King/Queen for a day' tickets for Sonisphere on Sat for me and Mrs C, to see Maiden!!!
Chuffed to *bits* to be honest! YAY!

M... M-M-Maiden are at Sonisphere?

Last time they will ever play classic 80s stuff like The Trooper, Evil that Men Do etc., I just COULDN'T miss this no matter what, that's the soundtrack to my adult life mate!

FUCK

FUYCK FUCK FUCK FUCK FUCKFU JKCKFUC FUCK FUCK FUCFKCU FUCK FUFC KCUFCKCU UFJK