Ian, I have to say how much I respect your financial discipline, you often eat out, have the occasional drink, you travel extensively, run a scooter and buy luxury seat accessories, shop in some of the best places, support Gill with her lavish spending on a bi weekly personal trainer and manage to put a little aside for a 'rainy day'
All of this on a budget of 80 lira a week should be a lesson to others. I salute you my friend :-)