Yep been there done all that scrimping and saving and working every hour God sends , going without holidays ,you will be old one day. Mark my words it will come quicker than you think. ;-)
The dd over 12 months is a great idea and is something @Halifax71 has often quoted it is something we should do . Lets hope Julian can take this on board, but I cant see it.
Just seen a report out today on the news ,apparently our energy bills will be £900 a year more by 2030.☹️
I dont know who to trust anymore ,Tories and Labour as bad as each other.