hi frm north manchester

[Grumpy Grandpa]

Hi and welcome to the forum. This is definitely the place to be to have your questions answered. Spend some time on the main site going through the articles there and don't forget to read through older threads - a mine of information! I haven't been aware long either and also have only limited funds but only you can know what your greatest threat is. Prepare for that but not to the exclusion of the others. A bit at a time - a tin at a time. That was just about the first advice I was given and it's solid!