Where do I start? For starters, Em goes to hospital on Tuesday for surgery. She’ll be there for about 5 days and will need 4-6 weeks recuperation time.Next. Money woes. We are BEYOND broke. But these days, who isn’t? We’ve seen Citizen’s Advice and they will be helping us negotiate with creditors. We need to change bank accounts and may eventually have someone else operating an account on our behalf. In the New Year we’ll no doubt be officially bankrupt, but bizarrely it’ll probably mean we’ll cope better than we have done in recent years. The down side is that this year will be an extra lean Xmas. I mean we’ve not been extravagant by any means in recent years. We would just indulge a little on having nicer food (IE: buying from M&S rather than ASDA). But it’s going to be really tight this year so not even nicer food will happen. Keeping a roof over our heads is just a TAD more important! Despite all this, I feel upbeat. We’re doing stuff to sort out our debt. Em’s surgery will hopefully result in her improved well being. And Xmas is all about being thankful for your lot and (not forgetting) celebrating Christ’s birth. I know there are people out there still FAR worse off than us. How can I be anything but upbeat about our future?