[Gayle]

I live for the day and make decisions based on what is right or wrong at that particular time. That's why I don't have any regrets and why I don't see it as a failing to admit that a decision was wrong in hindsight.

I don't have any real savings but funnily enough when I've ever needed a large unexpected lump sum of money something has always cropped up - tax returns, inheritance, bonuses, etc. Just luck I suppose!