It's Cold!!

-5c when I left for work this morning, it seemed just as cold when I got home!

This is my attempt at capturing the frost on the lawn this evening, I think it's only a matter of time before the snow arrives.

My annual pension review letter arrived today, it started off well, especially when I saw how much I'll retire on, was just a bit depressing when I read the bit about it being 33 years before I actually retire! Unless my numbers get drawn on the Lottery this week anyway.