I suppose you could say it was inevitable. And this month it happened. The first of our children ceased to be a child. And along with the sanctioned alcoholic bubbles (plus the reluctant acceptance that, this year, there would be no party) came the arrival of The Letter.

Craving a bit of day-to-day uncertainty, Carole weighs up the frisson of a potential premium bond win against the certainty of a miserly fixed rate… 

