And re you phone/internet/mobile - there are savings to be had with these. Are you really using every penny worth of that expenditure? Think about whether it would be cheaper just to have a mobile plan and a prepaid dongle, or naked adsl and make your phone calls via the internet, for example. I don't know how much your Foxtel costs, or whether the number of hours you're using represents good value or not. We have a DVD/harddrive recorder thing, so we just tape what we want to see (free to air) and then watch it when we want. Combined with the occasional trip to the DVD store/public library DVDs (where you can hire an entire telly series for <$10) we pretty much have more good telly than we have time to watch.