I had recently tried to convince Pia that we need to move into a 'family home'; one where we can plan to stay for many years while we raise our family.

We found an incredible house that we love but unfortunately (or fortunately for me), with the current econmic climate being what it is, the risks associated with its purchase are too great. So we decided not too. Plus, Pia is happy where we are anyway; just me being over zealous as usual.

Anyway, we then considered an alternative. We could add space downstairs bu having a conservatory built. These are much much cheaper than I'd previously thought. Well, I made some calls today and had no sooner set up some appointments when the post arrived.

There it was, the ominous brown envelope from the tax office. They have now recalculated my tax for last year based on the fact that my employer apparently taxed me at the basic rate and not the 40% they should have. The result? I nearly fainted. Let's just say that if I sold our car to pay it, I would still owe plenty.

I wish I'd known but of course like most I, never examined my pay slips closely enough.

Still Pia and the baby are fine and I feel great about that! Who needs a conservatory anyway?