I seem to have so many bills piling up at the moment. I guess it is just a January thing really but it is a bit disconcerting when I have such a big expense with the loft as well. I am using it as inspiration to get on with my work though, which is good. However, sometimes I find that I just go in to a bit of a panic about it all. Then I get distracted from doing anything which is not good. Must read my money management book again....!