This is a very important piece. Pre-paid life. Wow: Sounds frightening, but it's true. The minute we are born, we're pre-paying, or our parents are anyway, then we hit 18, and it all starts. Do I go to uni in London or Nottingham? Low rent or high rent, high culture or average culture (I went to Nottingham).

Thing is, we make these decisions all day every day. Do I have that coffee in town, or do I wait and have it at home, and save myself $5? That could be $1000 a year!!!

At the moment I want to move back to the city. Why? Because I need some stimuli, I've been in the countryside a long time. It will do me good. I'll pre-pay it.

Thanks