LIFE AFTER HELGA !!!!

I would consider a van first. Security for goods and tools, cheaper to buy and insurance as pick ups are fashionable and theft targets. Anything big get delivered or if you really have to , a trailer.
 
Concrete floors are the cheapest way to comply with fire and noise regulations in flats.
 
I think I am right that in Scotland they have to pass an actual noise test when they build flats . I don’t think it’s the same in England.
 
If you’re working for your builder mate for quite a while I would hang on to your present van until you start working for yourself again.
chaser is right, as usual, get some serious income before you spend out.
Once you have a bit in the bank again think about a replacement.

Richard.
 
It is the same, been like for a few years now guy comes in and tests each flat.
We looked into converting the upstairs of our shop into three flats, the cost of soundproofing and fire resistance made it uneconomical to do.

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If you’re working for your builder mate for quite a while I would hang on to your present van until you start working for yourself again.
chaser is right, as usual, get some serious income before you spend out.
Once you have a bit in the bank again think about a replacement.

Richard.

I understand what your all saying lads, but this old thing I’ve got is giving up the ghost,,
Bits falling off every day, tyres going flat, oil leaking, lights on dash appearing,, it’s got to go,, it won’t get me to work for a week I wouldn’t think!!

now the only reason I mentioned a bit of finance is because I don’t want to spend my money,, I’m not broke and if I needed too I could spend £4/5000 in cash,, but I would be happy spending day £3000 and leaving some money in the bank, as a back up, and to build on,, and if I’m not wrong some finance maybe just the interest is tax reliefable?????
I shall find out!!

I havnt spent all my money chaser, and I won’t and don’t want to,, but needs must, and I need a decent reliable van to earn with! Simple! And I can’t rely on this builder to earn all my money, he’s a bit unreliable,, eg, was supposed to start work today, but he’s put me back a week already, !!! Xxxx
 
Ian, why do you need a replacement van straight away ?
Doesn't matter in the slightest to customers if it's a bit scruffy, it's all they would expect.
Hang on to your money as much as possible, get settled in, get some regular work then think about a new van.
Aren't you working regularly for another builder anyway ? he doesn't need to see you in a smart new van does he ???
Finance should be a last resort
 
Tradesmen need a reliable van that doesn’t leak oil on/near customers properties, I would look at a Berlingo, they drive like a car, decent amount of room (for a smaller van) and most have a bulk head that can be part removed for longer loads. Also plenty about that have been used for lighter duties.
 
It is the same, been like for a few years now guy comes in and tests each flat.
We looked into converting the upstairs of our shop into three flats, the cost of soundproofing and fire resistance made it uneconomical to do.
When my BIL wanted to convert and office to residential the sound people brought in some balloons to pop!!! To see if you could hear below!! ?it was laughable!!
 
Ian, why do you need a replacement van straight away ?
Doesn't matter in the slightest to customers if it's a bit scruffy, it's all they would expect.
Hang on to your money as much as possible, get settled in, get some regular work then think about a new van.
Aren't you working regularly for another builder anyway ? he doesn't need to see you in a smart new van does he ???
Finance should be a last resort

I need to replace this van because it’s knackered! Simple! I’m not worried about the look, but it’s hanging now and I don’t need breakdowns on my way to work!

I’d love to not spend any money, but that’s not possible! Xx

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Ians right ... The building trade has moved on from scruffy vans , even scruffy work clothes ... A potential customer doesnt want to see a flash motor but a decent , professional looking one , its your first contact with that customer and to turn up in an old rattler just doesnt cut it anymore ... I dont advertise and never have and Ive never been out of work so I always ask customers where they got my number from and loads of those customers have said they've seen my van and thought it looked professional etc so your in with a chance straight off ... If Ian paid £300/400 a month van loan thats possibly one/two days work out of the month on looking respectable and professional ... Its a no brainer , couple of hundred quid on van signs and its free advertising ... IMO Ian mate dont get a pick up you can get most things delivered to site next day these days so sumat closed up for tools etc be fine ... Good luck young un
 
Ians right ... The building trade has moved on from scruffy vans , even scruffy work clothes ... A potential customer doesnt want to see a flash motor but a decent , professional looking one , its your first contact with that customer and to turn up in an old rattler just doesnt cut it anymore ... I dont advertise and never have and Ive never been out of work so I always ask customers where they got my number from and loads of those customers have said they've seen my van and thought it looked professional etc so your in with a chance straight off ... If Ian paid £300/400 a month van loan thats possibly one/two days work out of the month on looking respectable and professional ... Its a no brainer , couple of hundred quid on van signs and its free advertising ... IMO Ian mate dont get a pick up you can get most things delivered to site next day these days so sumat closed up for tools etc be fine ... Good luck young un
From what ianthebuilder has told us he is paying out about £200 aweek in rent insurance, rates and food, now another £100 for a van, that's £1200 a month with nothing coming in , his 10 grand for helgar ain't going to last long.
Penniless by xmas :Eeek:
 
My two penneth,
I get where people are coming from by saying keep your old van, dont buy another one just yet etc etc.
But Ian is right when you are self employed and in the building trade (As I am) you need a reliable van. It doesn't have to be all singing all dancing, but it does need to be "Tidy" but more importantly reliable.
There is nothing more frustrating when you have work to go at and your van let's you down time and again.
The excuses you have to make to the customer become embarrassing after a while when you can't get to a job because of van problems.
Ian there are quite a few van sale places in and around Norwich, I can't vouch for any of them but there a a few who have been trading for a long time so they must be half decent. Having said that Aspland Van's on Aylsham Road Norwich seem to have a decent name, but as in buying anything secondhand you take a chance that it is a goodun !
Good luck in your search.

Mark.

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When my BIL wanted to convert and office to residential the sound people brought in some balloons to pop!!! To see if you could hear below!! ?it was laughable!!
I think in Scotland they have a machine in an open frame that they position in various parts of the flat that bangs on the floor to imitate foot fall walking about. They then go to next door or underneath and take sound reading.
 
If you get a loan you can off set the interest against the buisness.

That’s sound financial thinking.
Reducing your tax liability reduces you NI contribution ?

Have a look around for ex gas board VW Caddy vans.
Regular servicing etc ?
 
My two penneth,
I get where people are coming from by saying keep your old van, dont buy another one just yet etc etc.
But Ian is right when you are self employed and in the building trade (As I am) you need a reliable van. It doesn't have to be all singing all dancing, but it does need to be "Tidy" but more importantly reliable.
There is nothing more frustrating when you have work to go at and your van let's you down time and again.
The excuses you have to make to the customer become embarrassing after a while when you can't get to a job because of van problems.
Ian there are quite a few van sale places in and around Norwich, I can't vouch for any of them but there a a few who have been trading for a long time so they must be half decent. Having said that Aspland Van's on Aylsham Road Norwich seem to have a decent name, but as in buying anything secondhand you take a chance that it is a goodun !
Good luck in your search.

Mark.
This is all very true but at the moment he has no work to go to.
 
If you get a loan you can off set the interest against the buisness.

That’s sound financial thinking.
Reducing your tax liability reduces you NI contribution ?

Have a look around for ex gas board VW Caddy vans.
Regular servicing etc ?
To pay income tax, you first need an income :unsure:
 
This is all very true but at the moment he has no work to go to.

True what you say, it's a chicken and egg situation, also Ian has said that he has work to go to.
And something I omitted from my post, Ian will also need a reliable van not only for work but also socially.

Mark.

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If you get a loan you can off set the interest against the buisness.

That’s sound financial thinking.
Reducing your tax liability reduces you NI contribution ?

Have a look around for ex gas board VW Caddy vans.
Regular servicing etc ?
You can only reduce your tax liability when you are earning and paying tax. BUSBY.
 
I thought the existing van was a relatively recent acquisition anyway ? but could be wrong ?
Ian you have to do what you think is in your best interests, only you really know the full story.
But we do know your a bit inclined to think you need things when you don't really appear to need them. I'm thinking Vans, cars, trailers etc.
Agree you need something reliable, but is existing van really that bad ?
Wouldn't it last say another six months and see where you are then ?
Good luck whatever you decide (y)
 
I thought the existing van was a relatively recent acquisition anyway ? but could be wrong ?
Ian you have to do what you think is in your best interests, only you really know the full story.
But we do know your a bit inclined to think you need things when you don't really appear to need them. I'm thinking Vans, cars, trailers etc.
Agree you need something reliable, but is existing van really that bad ?
Wouldn't it last say another six months and see where you are then ?
Good luck whatever you decide (y)
Yeah you mentioned buying a sprinter once a while back, much better idea , you could then convert it and live in it if needs be.
 
From what ianthebuilder has told us he is paying out about £200 aweek in rent insurance, rates and food, now another £100 for a van, that's £1200 a month with nothing coming in , his 10 grand for helgar ain't going to last long.
Penniless by xmas :Eeek:

200 quid a week rent ... Ruddy hell wheres he living Kensington ... Theres work out in the big bad world if you want it , some of that work aint pretty and it might not pay the top dollar but with rents and loans come the responsibility of paying them back and I think maybe we ought to cut Ian a little slack and credit him with the intelligence of knowing that ... Speculate to accumulate and if it goes tit$ up then you sell the van if youve looked after it bingo ya lose a bit but not the whole lot
 
200 quid a week rent ... Ruddy hell wheres he living Kensington ... Theres work out in the big bad world if you want it , some of that work aint pretty and it might not pay the top dollar but with rents and loans come the responsibility of paying them back and I think maybe we ought to cut Ian a little slack and credit him with the intelligence of knowing that ... Speculate to accumulate and if it goes tit$ up then you sell the van if youve looked after it bingo ya lose a bit but not the whole lot
The£200 is not just rent but if you read what I said total expenses.
And this isn't the end of it , he is also on about renting a unit.

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Tradesmen need a reliable van that doesn’t leak oil on/near customers properties, I would look at a Berlingo, they drive like a car, decent amount of room (for a smaller van) and most have a bulk head that can be part removed for longer loads. Also plenty about that have been used for lighter duties.
And you could always turn it into a microcamper ??
 
Ian,,you havnt i think had the van you have got long and you say its knackered,,,must have been either really cheap then or your not very knowledgable regarding vehicles..If your buying another please take someone with you with some knowledge or use RAC or AA,, Good luck but dont rush into anything,,BUSBY,,
 
Their is a van sales place in Blofeild on the A47 just at the end of the duel carrageway.They have been there some time so presumally are o/k.

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