Well, I had deleted the post until next week but Graeme says it can stay open. It's a Christmas miracle :) Access, you're so right! It is always 'shops fear worst Christmas ever', then a thousand sales that drive us into shops, then the 'best Christmas in 10 years'.

*ahem* please forgive me but we're going to carry a different poll this week after requests from up high :) I shall reinstate this question next week (sorry!). Felicity

Ha ha, with liberal quanities of that 'cyber champagne' Graeme keeps chucking around!

*grins* it's the sofas that get me down too. Having said that, I always love the M&S Christmas advert. Does that make me desperatly sad? (Well done both of you on your nominations, by the way.)

Well done, nominees and thanks to everyone who made a nomination! I'm looking forward to watching the votes come in :) Felicity

Nandibear: that's our fault for having a kid at this time of year :) *grins* Yes, damn shoddy planning! :) I love the Lakes, I'm very jealous. I hope it's not too wet a weekend!

Hello, They've sent you a letter and emailed me a copy - I thought you would have recieved it by email but it must be in the post. I'll email it to you now but I'm pretty confident you'll be happy with the outcome. Do let the forum know if you are, Felicity

Hello CariadBlack, It sounds like you're really under pressure, which is far from ideal when you're trying to get ready for a baby! I'm afraid I have nothing to add to the really good advice offered here - I just wanted to reiterate that unburdening yourself to CAB or another debt advice charity will help. You'll get the support ...

Hello, Congratulations on your granddaughter! Has your daughter opened a child trust fund for her? Once such a fund is open, it's very easy for friends and family to pay funds in as often as they like. It's understandable if you'd prefer to keep your savings for her in a seperate account, so it can be a gift just from you - but ...

Hi Chris, It's good that you have some time to boost your credit score before you aim to by a house (and hopefully towards the end of next year, the mortgage market will have eased - but you're still likely to need a deposit). In terms of starting to rebuild your credit score, there's a useful article 'How to improve your credit ...