For the past month or so, as well as watching "le Tour de France" on TV and "live in France", "Mrs Bonus and I have been giving some serious thought as to which path we should take next on our Big Adventure . . . . . Should we stay here and "soldier on" or is it time to cut our losses, relocate, either to the UK or somewhere busier in Spain, where we can both get jobs, save some money and then maybe rethink in 6 months time?
In a nutshell - all of the banks we've spoken to have said the same thing - they love our ideas - particularly the ones that involve us providing services that will set us apart from your average Spanish "B&B", they approve of our business plan - which is conservative in its estimates and they can see that our passion for what we enjoy in life - essentially cycling & cooking/providing - means that we will enjoy our jobs enough to ensure that we succeed.
However . . . over at the head offices of these various banks, the "Risk Departments" whose hands, post financial crisis of 2008-16, are tied behind their backs, are struggling to approve us the top-up loan we need without us having some sort of independent income.
This is not something we, or anyone we spoke to at the outset of our journey (including the banks!), expected and the game-changer has been the fact that the banks can no longer accept your property as security against a loan you apply for. The reason being that Spanish banks are up to their ears in repossessed properties that they have no hope of selling, possibly for years.
We've decided that we're not ready to give up just yet and so we're going to push on with our dream . . . . but we're going to have to change the way we plan on getting there slightly . . . .
Over the next few days we'll post our various changes and, as always, encouragement and ideas will be warmly received!
Bonus.