Hi Guys, My answer to that question in almost nothing! My 9yr old son asked me that last week and though I would have £100k plus in my account. On my reply he said well there is definitely at least £10k isn't there? I told him not to worry about money but inside had that sinking feeling knowing that I would be lucky if there was £1k in my account at any given moment. I am almost 40 and have about £7k of credit card debt. I make around £2.5k take home pay monthly which is probably more than average here in N. Ireland. My wife is on a similar wage and we are not at all extravagant and yet every month we are broke. This month I almost had to withdraw money with my credit card to subsidise our joint account in the last few days of the month and this may happen a number of months through the year. Its really getting me down What about you guys?