OK I have been circling in on the Nokia N95 for a while now, I have had it in my catanalotic ( consumerist ) sights since it was first released.

Yesterday I checked with a friend, Luke who had upgraded to the N95 some weeks previously, as to his general user experience of the mobile - he was most impressed; and he, like me, has preferred Sony Ericssons for years.

So, today, finally giving up with the sony Ericsson M600i which drops calls at will, I succumbed to the temptation which had been eating at me.

I turned the little Finnish beauty on (although the lady in the shop has told me that the battery will be ’shafted’ if I don’t give it a full and uninterrupted charge first time round…), err. Anyway it is good, it has a beautifully named (German?) lens with a 5 megapixel camera, it has DVD quality video, a mobile with GPS!!, it has a WLAN sniffer, MP3 Radio, man Nokia have created a beauty here, this must be a loss leader in Nokia’s battle with Sony Ericsson - and Apple…

…more to come….

Now I have been described in certain quarters as a bit lackadaisical, sometimes irresponsible and even just plain stupid.
Now all of these descriptions refer to by financial dealings. Though I say it myself, in nearly all other areas of my life I conduct myself impeccably. I can plan ahead when it comes to cultivation, I can schedule a project and I can assess my nutritional assets when cooking for 20

However, fiscally I am a complete nobrainer. My credit has slipped from bad to worse and then even dropped off most scales.

<<if you are a lender or an investor please take this diatribe with a pinch of salt - I really am a very suitable candidate for a loan, mortgage or investment - honest >>

So, needless to say my credit history has a few default notices and a couple of CCJ’s on it - I was feeling pretty hopeless.

Then I perchanced upon bad credit mortgages from clickngo and, having gone through their mortgage calculator and spoken to their customer services I feel that a bad credit mortgage is not out of my reach. I will become a home owner.

Of course, if I do get the mortgage, I will probably default on it and have my home repossessed, that is in my nature, but, hey, thats life…………

Now I have had my share of car problems of late, I have had blowouts, flat batteries and break ins and my poor wee ford fiesta is still struggling along.

My current insurance company have looked after me quite well but I have been increasingly aware that I should look online for a new motor insurance quote.

The thing is that CIS Insurance appear to better the offers that my existing car insurance provider are offering me. They can come up with both no claim and introductory discounts, all great money saving enticements, especially with the 10% online discount

The internet really is creating an environment where the savvy web user can easily find the best deals, rock on the www.

Wow, get me away from it, the Nokia N95 is calling to me, whispering sweet nothings to me, there is even an advert, a full wall advert, which waves at me on the way to work.

I would love to turn one on - and I am closing on it…..