I do live on a bit less than £17K and no, I don't work a service job -- or in a sector normally associated with low pay.

After being annoyed at the tax announcement and calculating how much worse off I'll be, I'm seeing it as an excellent indication that it's high time to leave for a better job!

'It depends on which research report you read,'says Hattie, 'and sorry about this, but I do tend to believe the ones that suit me.'