I’m pretty sure that a year ago I wrote something like I can’t believe that it’s the end of January already. This year I’m glad it is and this month really feels like it’s been dragging. We’ve had a few unexpected things happen that has made the month more stressful than it might otherwise have been and some of these are going to be expensive to put right. Others just are, and there is little that we can do about them for the time being.

Firstly we had the boiler in our “new” house serviced and d...