I suppose I'm fortunate in that I have a decent occupational pension but unlucky in that I do have very bad arthritis but am willing to pay for help. I have my cleaner 4 hours a week and my gardnener to do whatever needs doing once a fortnight. He started back today after the winter break and I asked him if his hourly rate had gone up and he looked at me as if I was mad - I'd still employ him if he increased his rates 'cos you get what you pay for.............