ANY DREAM WILL DO

Met Hubby for coffee first thing this morning - we still try to do this at least once a week despite being short of cash. I like getting up at 5 a/m. In fact I promised myself today I would try to do this more often and use the hour to write. Promising myself and keeping that promise are two different things though! It is just such a nice time of day - no people around, hardly any traffic - just me and the birds. Love it! Anyway - I digress. Back to the Coffee Shop at East Croydon. Once we had sat down with our Extra Hot Latte (Hubby) and Black Americano (yours truly), we somehow got onto the subject of the lottery. We seem to do that a lot lately. I suppose it is because we don't actually have a lot of spare cash (does anyone these days?), so we just sit talking about a Lottery win as if it was already ours.

Hubby is renown for his kind and generous nature and this morning I was content, once he got in full flow, to just sit and listen to him map out our future as Well Off People. "You can give up work right away," he tells me, "to concentrate on your writing. I expect we'll have a bit of a rush - maybe splash out on a weekend in London to get some new clothes and book some shows up. Once things start getting back to normal and the novelty wears off a bit, this is what I think we should do ..." True to form, he then lists out the next steps which are:

a/ Make sure the mums and dads are ok. By this he means buying them new houses and taking away the strain of paying bills with nothing but their pensions.

b/ Make sure the kids are ok. This equates to buying Youngest Stepdaughter a new car and making sure she no longer struggles to pay the bills and can maybe become the full time mum she'd like to be. Eldest Stepdaughter doesn't seem to want for much so a cash gift seems most fitting.

c/ Make sure siblings are ok - in other words, give them all a little windfall (nothing spectacular, we don't want anyone to know how much we have actually won) - just enough to clear any debts, fund a decent holiday and maybe get Bro over from Denmark for a while,

d/ Make sure the grandchildren are ok - by setting up trust funds for them which they come into at the age of 21. This means Eldest Grand daughter - almost 4, Youngest Grandson - now one and a half, and Youngest Grand daughter (11m) will particularly benefit. May not be so good for Eldest Grandson (almost 14) who will only have seven years of interest to build up rather than 17 or 18 - but then (Hubby justifies), we have already spent a lot more on him because for the first 10 years of his life he was the only Grandchild and therefore thoroughly indulged by everyone, so it kind of balances out.

Finally, he tells me, whatever we are left with we will ensure we spend - and invest - it wisely so that our futures are secure. "I will go Part Time, say three days a week," he says, "so that you are free to Write (because if I am home all day every day, you will never get anything done as I will always be suggesting days out or weekends away) - and you will then still have plenty of time to concentrate."

This is the jist of it. Of course, our plans vary depending on how much we win. If he is feeling particularly optomistic, and we are fortunate enough to win the Big One (£26m plus) - then the odd million pound house, summer home and collection of Jags, Rolls Royces and state of the art laptops and blackberrys come into it in addition to everything above. Plus generous donations to the Lifeboat fund, Great Ormond Street Hospital and to A Child We Hear About that needs a new kidney or prosthetic limb (only this one, it goes without saying, would be made anonymously). And if it's a tenner - well - that'll pay for some groceries (or the next early morning coffee) - so who's complaining?

Personally I love listening to him when he talks like this because he makes it sound so real. He has clearly given the various options a great deal of thought and he glows with satisfaction when he realises how many people we could help should Our Moment ever come. Furthermore he does not then become morose or cynical when out numbers don't come up. He just snaps his fingers, sparkles a smile and says "It must be our turn next time then ..."

No wonder I love him so much!