ONLY, My god, I wish I could afford to go away for a holiday at xmas, easter and 4 or 5 weeks in phils every year. I also wish I could afford to change my car, now nearly 4 yrs old, at least once a year. I could afford it if I took the money from my savings, but my wife would see it as pure extravagance. You just can't see how really lucky you are.
Iain.