I use Royal Mail cards from here http://linkstochina.com/RingChina/index_e.shtml £16 for a £20 card Must be a scouser running the business!

Only apply for a FIANCEE visa, otherwise you can cock it all up, and she will not be coming here at all. Stick to 110% the truth.

20K is enough, just maker sure you've got 2K-3K in the bank.