Thanks for all your suggestions. Jack - I especially liked your idea of income taxes being your 'entertainment tax'! I just wish I got more tax rebates - its a bit like a savings plan (but without the interest)!
By the way, my name is Anna, not Barbs - phbarbs is my email username - I forgot to sign my real name at the end of my message lol!
It would be great if you could all come with me on a cruise, but I am not sure I would get much with $1000 - perhaps they would let us all sleep in the lifeboat and eat the buffet leftovers!