Not in your league of crapness NoM, but it's a pretty grey day at Sunny Dave Towers.
Dank and nasty outside - and a list of phone calls to make that I just don't fancy at all. Sky, M&S credit card insurance refund claim, Car Insurance renewal and Car Breakdown renewal - every single one of them is going to be haggling about money, which I hate doing.
Why can't their just be a single 'fair price' for things, rather than a rip-off first offer that you then have to spend time and energy beating down.
I may have several coffees first ... and then a bun ...