The clocks are about to go back, it's dark by teatime and the rain hasn't stopped all week. So what did I do? I sat scrolling through my holiday photos with a cup of tea, and found this one. Blue sky, clear turquoise sea, soft white sand. I could almost feel the sun on my face! To be honest, it got me thinking. If I want another day like that next year, now is the time to start saving. A little bit put away each month goes a long way, and it means no panic and no holiday on t
