Cut your cloth a bit and make do. I would and did to a certain degree. Mr Taxman only takes a bigger slice so half the time it's not worth the effort. Ironically my tax bill is almost identical now to when I worked. That's the best bit about joining certain pension schemes before they changed it all.
You two ancient mariners....bet when you do meet up you dap the pendant light to get it swinging before you settle down to talk!
