Nah, Rat, 'Is that you?' is pure Scots, and possibly pure Glaswegian...
And, Roo, a scheme is simply a plan. The first definition on dictionary.com is
A systematic plan of action: “Did you ever carry out your scheme of writing a series of sonnets embodying all the great epochs of art?”As for 'pocketbook', isn't that a book which fits into your pocket?
Wendy