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Ha Ha ... guaranteed it's number 1 on TB expenditure No ... I have a line for Misc which is where I shove all cash, but then since doing this I use less cash and lots of debit/credit. So my Misc line has all the incidentals and comes in not a lot more than BHA!! (But BHA includes all travel to...

Ha Ha ... yes there is one for the Albion ... my 8th biggest expenditure! Has 7 or 8 tabs and it's evolved over 3/4 years, I'm a total nerd with it now :) . I do a bit of consulting for a pretty big IFA and they give a stripped down version to their clients ... should be on a royalty!!

Planning is pretty well impossible .. I tried it but the three variables I found complete f**k up any potential to plan 1. How long you live? 2. What investment returns you get (or don't get)? 3. What kind of 'care' are you going to need when you reach bed wetting age? Sods law says you plan...