Jane
That very much sums up how I feel at this moment- and this thread. 
Private Phil and Susie
- yes they can get Tim on to give tips on finances.
I have just had to got shopping with nearly 13 year old dd1, who decided she didn't really want to be there, even though the trip was purely for her benefit (about 3 of her friends have birthdays this week- last week of term). It was painful.
I need to hit the Pimms . 