Jupiter I've only one card from way back in my 20s that I think had it... might look into it though, as you say compound interest is a wonderful thing when its working on your side rather than the banks!
GT lots of sensible advice - something I've just thought of (after a phone call with a pal who is in a lot of financial trouble) just make sure you don't fall into the cycle of working, don't see the kids, feel guilty for not seeing the kids, buy expensive kid stuff out of Mummy guilt, get into debt, feel even more guilty, have to work even more to pay for the stuff. It's time with you that matters the most - not possessions. My pal is about to consider bankruptcy as her guilt spending went OTT
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Perse much ever so quiet pom pom waving and cheering going on over here for your rising hormone levels xx