Okay I have one son who now is an official backpacker in Europe, one niece backpacking on the gold coast in australia and i have to admit I am downright jel. Okay so i did a bit of chamber maiding in germany when i was 20, but what happened? Did i just wake up one morning  married at 23 with four chavvies subsequently coming along, did this happen by accident. No is the answer, I amde my choices and uktimatley I wanted to have a family from the age of 20, i wanted babies and family life and there are no regrets on this point. But....... I didnt prepare  financially, it can only be described as going on holiday without any money, the children are the ultimate amazing experience, but i want to spoil them, splash out, take them travelling, instead I have gone grey with worry about about paying bills, heating the house, making aure te fridge is full with healthy foods, i know and i do knwo that money means nothing, int he great scheme of things and i am  in no way materialistic, but it would have been secure, and made me slightly happier to have enjoyed their childhoods more, instead of constant worry. Heres to things looking up financially,