dorothy: apart from the payday loan he is so right on his comments regarding people not being able to budget properly, recently at a bus stop near where I live a young woman was telling me how she had to go to the food bank to get extra money now this young woman worked FULL TIME her husband worked FULL TIME both her grown up kids who lived at home worked FULL TIME and yet they could not manage, last week a lady on the bus I was on admitted her daughter said she could not manage even though in FULL TIME employment so the mother went to the food bank and got her some food. I am appalled as it is obvious to a blind man as the saying goes that these people just do not know how to budget, and before anyone thinks I am well off no I am not I live on state pension and I live within my budget, this is in spite of having to help one of my sons who is autistic (not just being labelled for the sake of being labelled as so many are today, I keep myself warm and I eat healthily,, I buy my sons winter clothing out of the winter fuel allowance and before anyone comments saying it is meant to help with heating bills well I am all electric and I have several hundred pounds in credit, the problem with people in this country is that the more they get the more they want one day the money will run out and god help those people because they will not have a clue how to survive, I know every where where I can get a bargain, for instance recently I took my son to get his christmas present which I had decided would be a good jacket the first one was a bit tight so he tried on the second which fit him really well, now this hacket normally cost over one hundred pounds the price I paid just twenty five pounds. If you took away these food banks I bet your bottom dollar they would learn far quicker how to budget. I do my fresh fruit and veg shopping at Leeds open market at the weekends and for less than twenty pounds I get loads I only eat breakfast and tea as that is all my body needs and believe it or not at one time in my life I would spend the money I earned as fast as I got it today with age has finally come wisdom as for the Female (independent candidate ) she really needs to come into the real world