i was gonna pop in and ask about flats and covers and things a bit later - the baby bonus will be our house payment while i'm on leave (well, one week of it!) so i want to have all this stuff budgeted now while we have spare cash. if it means it's in a seperate account until after Gremlin arrives, that's fine - i just want to hide it from DH so that i'm not scrambling for dollars later!