like i said i am lucky really after being married before twice it was my 1st wife that cost me so much , the second one well i came out of that fine just lost half my pension to her, but i brought my home 3 years ago this may , 60,000 mortgage over 10 years and today i owe 34,000, yes i have been over paying and i hope to be under 55 and our own home then we can start to look at the phils,each to there own i say, we are all differant lets just hope we all get there in the end
