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valeite Yes you are old fashioned ...just like me I was going to jump in about the waste of money on over priced early morning coffee but I see you've also covered that in your second para Hands up,it's absolutely none of my business,but at the risk of being labelled a grumpy old skinflint I highly recommend that the early morning coffee fashionistas tot up their weekly spend on coffee and sandwiches and consider whether that £20 or so would be better spent reducing their 400K mortgages http://www.thisismoney.co.uk/money/bills/article-1633404/Household-budget-calculator.html
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