Hi Beth, I must have missed the bit about your struggles to get your tourist visa. I understand the way you feel, I and my fiance did the same thing and been through a lot just to get mine. I was in London too just like you, the cold, the loneliness, the food that doesn't agree with my system sometimes, the hard water. People seemed all too wrapped-up in their own world. But hey, like what all the guys have just said, you can overcome it. I know you made it there because you have the spirit and you were willing to take the risk. Falling for a man not from our own breed is tough but you are far tougher because you've done it. Take a few more risk, go to Wales, it will be an all new experience taking on the above ground train, i have done that too and it isn't as scary as I thought. On money matters, I am sure your man will understand if you talk to him about it, it is just a matter of communicating. It will feel uncomfortable at first but believe me when you summoned up all the courage and manage to speak your mind it feels good and then you'll realize it isn't too hard really. And Beth, you still got 3months and 2 weeks, make the most of your time there as you will surely miss London when you're back in the Philippines. And yes, keep safe and God bless!