Hey IK, just chill...do what i do, and just have one day of ignoring everything thats not essential. I had to do the bill ring around the other day, ($2000 worth of bills waiting for me when i got back form Perth, needed to make payment plans for them all as most were our utilities) and the next day i just relaxed, did no washing (do it every 2-3 days) minimal housework, just let everything just be. After all that stress of trying to make your money work, its nice to chill and enjoy the simple things (Like playing MegaBloks with the kids and making Anneliese giggle)

Bath, people seem to think we're made of money-the kids are alwasy in nice clothes, our house is full of new furniture we have a nice car (not new, but a 93 camry is nothing to scoff at!) Looking at our life, you wouldnt know we are borrowing money to put food on the table. My parents live in a great suburb in a big house (worth 3/4 mil, but only $100,000) mortgage, my 4 siblings all go to a private school... But my parents worked hard for 25 years to get in the position they are now. I know im babbling but i guess what im trying to say is people shouldnt judge you on your possessions, just because you have an expensive pram and Verity goes to a private school doesnt mean your a rich snob, it means you work hard and dont fritter your money away. OK im babbling, i dont think im even making sense anymore so i'll leave the soapbox to someone else