Yesterday was the 1'st of july,f*ck I hate the first day of the month,time to settle bills,debits,mortgage the whole kit'n'kaboodle,wasnt it Mr Micawber who said "Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery."?My expenditure certainly exceeds my income but thats life.I was en-route to HSBC to pay off something or other when I passed the bookies,my mate Clever Trevor works there,he is a male version of Carol Vorderman,not in looks,but he can do sums without using his fingers,not that he hasnt got fingers to use,he actually has the full complement of