There is no sneering. Under no reasonable definition could gym membership and pay TV be considered essentials. They are discretionary spend. So yes they do get included in disposable income (View Post)

Love it :) (View Post)

Indeed. That was exactly the image I had when I wrote it. She who must not be named. I guess that would make people like me one of the Death Eaters. (View Post)

Yep because JK Rowling is apparently evil incarnate and even whispering her name might bring her forth to corrupt your very soul. (View Post)

Really glad to see you back Mike and hope all went well. (View Post)