a new year will soon start and the bills will be coming through the letter box, u have a little time on my hands while Ems doing a double shift, So i thought lets sort out what wants paying now and later, Timeshare for the next 3 years sorted, cant wait to get our passports back so we can get into europe,Car MOT and insurance due end of jan, and other bits and bobs sorted, i have even managed to save a little too, life is sweet