I was becoming more and more interested in taking a holiday in Russia.  I was sure I couldn't afford it but I thought I would just send off for a brochure.  Just to see what there was available.  Nothing serious. So I took a look and then my brain started to work on what savings I could make in my usual expenditure.  I had an abundance of clothes so I didn't need to buy more in the next year.  I was also sure I could save on my heating in the winter.  I looked up on the internet what a healthy O.A.P should have for room temperature and it was a lot lower than I had had it in the previous winter. So there were two good savings I could make.  It's amazing what you can do when you really want something. I have never been out of the British Isles so now I needed a travelling companion.