Thanks all so far,

I really dont want to fly back to England once we have settled where ever that is, but who knows,

50,000 php is a lot to put aside and you may never ever use it too, but thats life you pay insurance every day here and you hope you may never need it,

Still have a few years to get things sorted and a lot can happen between now and then too, but there is nothing wrong in planning and more planning too,