Some financial questions

[BlackenedBiker]

Be interested to know how much '' renovation" you expect for 50k

I was just using that as an example: we are wondering what level of work we would be happy to take on. Not sure yet just considering the principle at the mo.

[NickFitz]

To find an IFA, try http://www.unbiased.co.uk/

[meridian]

I would avoid airmiles and go with an M&S or supermarket of choice one. I don't use CCards regularly myself but a mate books all his business travel on his M&S card so his food shopping if basically free.

Airmiles never save you as much as you'd hope as you still have to pay the tax on flights, which is a bit of a crippler IMHO.

An Aussie mate of mine uses his BA Amex to pay for everything - even if he has cash in his pocket down the pub for a small round he'll charge it to get the airmiles. Combined with a Tesco card (points used to purchase BA airmiles) he gets a one-way upgrade to business class to Oz every year.