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arrrrrrr, someone else does this too, we regulary DRIVE around on a sunday looking at homes and burbs. I can here the kids now "do we have toooooooooo" (in that drone that they do) Mr Ed.

HG, That spreadsheet that you run sounds interesting, could I ask you if you could post a blank copy of it. Just I monitor our spending via excel and I'm alway looking at updating it's features. Mr Ed

We don't run to a strict budget more of a monitor of were it goes, but I can add one thing & that is... Don't go grocery shopping when you are hungry, I have sometimes and find I fill the trolly up with nice cheezes ordy derves and all the stuff you don't eat mon - Fri. Mr Ed.

I have to agree with SIM Nice avatar hobbo!! The most rediculous Tight arse stunt I've heard of is, when you buy items at the grocery store you pay for each item as you go therefore making use of the rounding down effect!!! That's being a miser Make more income is the only way, Isn't...