“Annual income twenty pounds, annual expenditure nineteen [pounds] nineteen [shillings] and six [pence], result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery.” Mr Micawber’s famous recipe for happiness is one of my favourite Dickens quotes and the sentiment is probably as relevant today as it was when David Copperfield was first published in 1850. Indeed, in one of my previous blogs for Almost Essential, I referred to a