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Ernest! Lovely to hear from YOU, and not a moment too SOON! We NEED your ARS more than EVER! As you NO the clubs is in DIRE STRAITS at the moment. We thought going to GILLINGHAM was bad enough, but NOW they're making us play GAMES in EUROPE!

Yeah, it worked for us. The catch is of course you don't want to be stung with any bills whilst you're building up the fund. We were lucky that our dog was young and healthy and we'd built up enough so that when he did get old and sick we could cover it. A few years ago we were boasting smugly...

I have that covered with my membership of the Dogs' Trust. I'm also in the 'waste of money' camp. When we had our first dog back in 2000 we insured him, and then got stung for excess and 'not covered'. After the first year we cancelled the insurance and instead we paid the premiums each month...

Dobbed in a bit - and I'm not a cat person! (All the best Rochdale if you read this).