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See this thread also http://www.somersoft.com/forums/showthread.php?t=70150

Yea man, I'm in a similar boat to you Alex. P. K I pretty well don't save anything anymore, just rely on my tax back at the end of the year. Shoulda' fixed those rates at 5% for three years..! Anyhow, live n learn. I live pretty well, and have thought about refinancing to capitalise interest...