My costs have reduced- I have cheaper house insurance, thanks to the National Farmers' Union, added insurance for workshop, public liability and some other stuff- and ended up paying £3 more a month overall.!!
Then I asked them for a quote on the car insurance- £80 cheaper, which made my present company say they would reduce my bill to only £3 more than the NFU quote....£3 a year that is!!
This makes life feel much better!
Better still, if that is possible, the Geek Wizzard and K won some shelves and The Carpenter has constructed them for me- life is so much better with a tidy room :-)