Here is a list, in no particular order, of ten ways in which I have squandered money in one way or another.

1. On one Saturday some years ago, I withdrew

2. Very shortly after I stopped to fill my first car, a Fiat Uno, with a full tank of petrol, I then went and wrote it off in an accident.

3. Furthermore, I was unable to recover the hi-fi that was in the boot of the above car after it was towed away, as I never saw it again.

4. I once bought an album called "Fuzzy Logic" by the Super Furry Animals.

5. On several drunken occasions at student bars in Liverpool, I requested cashback without hanging around for the cash.

6. On a visit to Haydock Park Racecourse, I placed several bets on horses chosen where it was possible to spell slang words for genitals from the letters making up the names of the horses. I didn't win a penny.

7. I once bought, at considerable expense, a brand-new palmtop computer that I didn't need and rarely used.

8. Shortly after I bought the above palmtop computer I dropped it on a hard floor, necessitating repairs costing almost three-quarters of the original purchase price. I paid for the repairs.

9. I bought a ticket to watch my team St. Helens play Leeds in a Super League match at Headingley on 4th May, 2001. The result was 74-16 to Leeds.

10. I pay