I'm sure that it's probably very politically incorrect to say so, but have you noticed that charities are becoming more and more and more of a 'pain-in-the-arse' too?

'Chuggers' on every high street, leaflets through the door (along with those irritating plastic bags for your 'old clothes') and, of course, phone calls! There was one woman rang me the other day, about some (no doubt worthy) charity who went on and on and on - obviously from a prepared script - until I interrupted her and said that I was already signed up for two charities (of my choice), and still she went on and on and on until, in the end, I had to put the phone down!