In Search of the Past – A visit to the Somme Part 4 by Penny Gerrard

Private Gilbert Sexton

The first morning of the Gerrards and Hodsons’ Somme trip had been spent finding graves and memorials to Richard Hodson’s family members.   Now, well-fed and watered after our omelette lunch at a typical French tabac, we were up for our next challenge – this time to find the site at Fromelles where Francis’ uncle, the eighteen year old Private Gilbert Sexton, son of William Henry and Elizabeth Sexton of West Wycombe in Buckinghamshire, of A Company 2/1st  Buckinghamshire Battalion, The Oxfordshire and Buckinghamshire Light Infantry was killed in action at on 19 July.  Gilbert’s 18th birthday was not until at least July 2016 – meaning that he must have enlisted under age as so many other keen young boys did.

In Search of the Past – A visit to the Somme Part 4 by Penny Gerrard1

“What we called ‘Gilbert’s Field’ at Fromelle the scene of the gas cylinder disaster”

Our research had verified the old family story.  We had found that on 18 July 1916, on the day before the battalion was involved in a key battle, an Australian battery fired high explosives shells which dropped short on the gas cylinders which A Company had stored in their trenches.  This error inflicted 78 casualties among those who were in the process of moving them back out of range of the German guns.  Gilbert was amongst those wounded by friendly fire and died the next day.   The Battalion suffered 178 casualties before the attack with a further 322 killed or wounded during the assault on 19 May.   We found it painful to stand at the roadside looking across the peaceful fields imagining the horror of that mistaken attack as so many young men were either killed by the explosion or, worse I suspect, overwhelmed by the clouds of poisonous gas as Gilbert was.

In Search of the Past – A visit to the Somme Part 4 by Penny Gerrard2

 “The Grave of Gilbert Sexton in Merville Town Cemetery”

We were now very keen to find Gilbert’s grave and headed for the town of Merville – several miles away from Fromelles where many of those involved in the friendly fire incident on the 18th were taken for burial.   Unlike most of the War Grave Cemeteries which seem to stand alone in the countryside, secure within their boundary walls, Gilbert’s grave lay within rows of war graves in the middle of the Merville Town Cemetery surrounded by the imposing and ornate tombs of the town’s civilian population.    Again there was a great feeling of sadness as we came to his headstone set among those of his comrades from the Buckinghamshire Battalion with whom he died.  It was somehow comforting to think that his resting place was amid the bustle of a small country town.  Blue aubrietia flourished at the bottom of the stone, almost hiding the words “Gone but not forgotten” which Francis’ grandparents must have chosen.   Gilbert was the fourth of twelve children and his little sister Flo, who was later to have Francis, was only two when he disappeared from her life, leaving her with not even a memory of the big brother she lost.

In Search of the Past – A visit to the Somme Part 4 by Penny Gerrard3

 “The war graves amid those of Merville’s residents”

Our time for exploring was gone for that day because we had an important engagement to fulfil.  We were to attend the Last Post Ceremony which has been part of the life of the people of Ieper (formerly Ypres) for the past 70 or so years. The Menin Gate Memorial to the Missing is one of the largest British and Commonwealth memorials to those whose bodies were never found in the battlefield area of the Ypres Salient in Belgian Flanders. Engraved on its walls are the names of 54,389 officers and men from the UK and some Commonwealth Forces and the nightly ceremony recognises the courage and sacrifice of those who fell in defence of their town.

In Search of the Past – A visit to the Somme Part 4 by Penny Gerrard4

 “The Menin Gate Memorial to the Missing” at Ieper (formerly Ypres)” 

Well before the 8pm start time we joined the packed crowd clustered under the arches of the gate and as the ceremony got under way we were touched by the sound of the bugles playing the Last Post and the fleeting glimpse of the British Legion Standard Bearer taking part.  An unidentified English choir sang of war and loss and the crowd was hushed – perhaps each thinking of particular members of their family who had given their life in that awful war.   We were glad that the two members of Richard’s family whose Somme experiences we would be tracking down the next day had both survived.

 

 

The Umbrian Thursday Night Supper Club By Marlena de Blasi

The Umbrian Thursday Night Supper Club By Marlena de Blasi

REVIEW BY JAN SPEEDIE

 

The Umbrian Thursday Night Supper Club By Marlena de Blasi   REVIEW BY JAN SPEEDIE  pic 1   The true life stories of four Italian women – the food is delicious, the recipes closely guarded secrets, the friendships lifelong. Marlena is an American author living and enjoying life in Italy with her Venetian husband Fernando.  They have settled in the small town of Orvieto in Umbria where Marlena enjoys exploring the friendship of some local women and their love of cooking. Marlena discovers that on a Thursday evening four local women meet in a derelict stone cottage to gossip, laugh and argue but mainly to cook. She is delighted when she is invited by Miranda, the group leader, to join them. Slowly she is accepted by the other women and invited to cook for them. Sitting in the candle lit room, following good food and local wine the women Miranda, Ninucua, Paolina and Gilda tell their intriguing individual life stories. Glorious Italian food.  If you are keen on simple authentic dishes Marlena’s book is for you. Remember no Italian meal is served without a simple pasta dish to start to assuage the appetite and here are recipes galore. Marlena de Blasi has been a chef, journalist and restaurant critic; now an author of international best seller books with her memoirs and a novel. She has also published two cookbooks of Italian food. Marlena and her husband live in Orvieto in Umbria, Italy. Published in Paperback by Windmill Available from May 2016. Priced £8.99 Also available in ebook., good reads, books, book review

The true life stories of four Italian women – the food is delicious, the recipes closely guarded secrets, the friendships lifelong.

Marlena is an American author living and enjoying life in Italy with her Venetian husband Fernando.  They have settled in the small town of Orvieto in Umbria where Marlena enjoys exploring the friendship of some local women and their love of cooking.

Marlena discovers that on a Thursday evening four local women meet in a derelict stone cottage to gossip, laugh and argue but mainly to cook. She is delighted when she is invited by Miranda, the group leader, to join them. Slowly she is accepted by the other women and invited to cook for them. Sitting in the candle lit room, following good food and local wine the women Miranda, Ninucua, Paolina and Gilda tell their intriguing individual life stories.

Glorious Italian food.  If you are keen on simple authentic dishes Marlena’s book is for you. Remember no Italian meal is served without a simple pasta dish to start to assuage the appetite and here are recipes galore.

Marlena de Blasi has been a chef, journalist and restaurant critic; now an author of international best seller books with her memoirs and a novel. She has also published two cookbooks of Italian food. Marlena and her husband live in Orvieto in Umbria, Italy.

Published in Paperback by Windmill

Available from May 2016. Priced £8.99

Also available in ebook.

 

Don’t trust your scales – why you should be focusing on reducing your visceral fat, not your weight

don'ttrustthescalesBy Andy Kay, Training Manager at British Military Fitness 

If you’ve been watching your scales to see if your exercise regime is paying off, you might be wasting your time. New research has found that doing between two and four months of endurance training can cause either no, or very minimal, reduction in body weight, with participants in a study losing only between zero and 4kg of weight.[1]

Does this mean you should throw in the towel and swap evenings working up a sweat for nights on the couch? No! The same researchers studied the reduction in visceral fat, and found that after two to six months it was markedly reduced, with participants who had lost no weight, having reducing their visceral fat by 6%.

So, what is visceral fat?

Visceral body fat is what is created when the body stores excess calories as fat cells around your organs. You might not always be able to see it on the outside but excess visceral fat is bad news, being known as a risk factor for coronary heart disease and diabetes, as well as being linked to a number of different cancers and even Alzheimer’s disease.

This is because an excess of visceral body fat can interfere with liver function and can disrupt your organs’ normal function. This can lead to an increase in cholesterol, particularly bad cholesterol, as well as increased insulin resistance, which can lead to type 2 diabetes.

How much is too much?

It can be hard to identify if you have too much visceral body fat, but the World Health Organization recommends that a waist to hip ratio higher than 0.9 for men and 0.85 for women is high risk. Divide the circumference of your waist by the circumference of your hips to work this out.

What can you do about it?

As the researchers found, exercise is highly effective in reducing this type of fat, even if it has little effect on weight, with every 1% reduction in body weight associated with a 3% reduction in visceral body fat. Steady state cardio such as running, cycling and swimming, as well as exercise classes based on high intensity interval training such as BMF, are highly effective in reducing fat and helping people to get fitter. Exercise two to four times a week to gain the benefits, and ensure you are leading an active lifestyle the rest of the time, with more time spent walking and less spent sitting down.

What are the first steps to reducing visceral fat?

If you have a high waist to hip ratio and want to reduce your visceral body fat the first step is to get active and start exercising. From there, the focus should be on limiting portion sizes and making sensible choices when it comes to nutrition. Swap sugary and salty snacks in favour of complex carbohydrates, protein and vegetables and try to prepare as much of your own food as possible.

For more information, please visit: www.britishmilitaryfitness.com or to sign up to a free British Military Fitness trial go to: https://www.britmilfit.com/try-bmf-for-free/

[1] http://onlinelibrary.wiley.com/doi/10.1111/obr.12406/abstract

 

 

 

Duke and Duchess of Cambridge watch on as Land Rover BAR Rule The Waves In Portsmouth

dukeandduchessofcambridge
Land Rover BAR Rule the Waves in Portsmouth

Duke and Duchess of Cambridge watch on as Sir Ben Ainslie’s America’s Cup team take the series overall lead on previous leaders Emirates Team New Zealand and current Defenders Oracle Team USA

Britain’s chances of winning the America’s Cup for the first time were given a significant boost at the weekend after Sir Ben Ainslie’s team sealed an emphatic victory on their home water of Portsmouth.

Land Rover BAR started the weekend tied in second place with current America’s Cup defenders Oracle Team USA. Two days of action packed racing on the Solent saw Land Rover BAR do the Portsmouth double and emerge as overall winners for a second time following their victory in July 2015. The result leaves their American rivals in third and take the lead on current leaders Emirates Team New Zealand to 367 points with two races to go.

Among the hundreds of thousands of supporters that turned out to cheer the British team on were The Duchess of Cambridge – Royal Patron to the team’s official charity, the 1851 Trust, accompanied by The Duke of Cambridge. Their Royal Highnesses watched the action from the water as Land Rover BAR thrilled the home crowds on the final day of racing.

The British summer finally arrived creating a perfect setting for both the Land Rover BAR sailors and spectators as the team raced their way into 1st place in an action packed weekend of sailing.

Ben Ainslie, Skipper and Team Principal: “It’s brilliant for us as the home team to win again in front of our home crowd, all our supporters. It means a huge amount to us, we’re delighted and I think that for a new team to be leading the World Series now is a good indication of how far we’ve come, but there’s still a long way to go, a lot of hard work between now and the America’s Cup.

“It was a real team work day, these boats are really hard to handle on such a short course. The guys did an incredible job with the boat handling and that’s what really got us out of some of those tough situations.

“Full credit to the team and everyone back at the Camber at the base, we’ve got a hundred odd people there, designing and building boats and components for the Cup next year, and I think it’s a big moment for them as well to know that we can go out and win these events.”

Two days earlier Admiral of the Royal Yacht Squadron HRH The Duke of Edinburgh also visited the base to spend time with members of Land Rover BAR’s technical and engineering teams.

Portsmouth America’s Cup World Series weekend results:

Land Rover BAR – 82
Oracle Team USA – 81
Softbank Team Japan – 69
Emirates Team New Zealand – 62
Groupama Team France – 58
Artemis Racing – 53
Overall leader board results:
Land Rover BAR – 367
Oracle Team USA – 366
Emirates Team New Zealand 357
Softbank Team Japan – 328
Artemis Racing – 315
Groupama Team France – 292

How School Bosses Spend Your Millions

Exeter_High_School_(New_Hampshire)An investigation by Channel 4 Dispatches can reveal that some bosses of academy schools are spending taxpayers’ money on luxury hotels, top-end restaurants, first class travel and executive cars.

The Academies programme may have started under Labour, but it was pushed through a rapid expansion by David Cameron. In just five years the numbers have grown from 600 to more than 5000, they are now controlled by trusts and run like businesses. Over 3,000 of these schools are part of chains known as multi-academy Trusts, which are in control of millions of pounds of taxpayer’s money.

Expenses:
More than £14 billion of public money now flows directly to Academy Trusts. For the first time, the expenses of some of those running thousands of Britain’s academy schools can now be disclosed following a raft of Freedom of Information requests.

Dispatches looked at the expenses of more than 100 Academy Trusts, they reveal:
• The chief executive of another Trust spent almost £1000 on hotel bills, including a £245 stay at a luxury golf resort in Cheshire
• The executive principal of a Trust spent more than £1400 on two hotel bills including £909 at the Park Plaza in London
• One Trust pays a monthly Broadband bill for executive principal’s home in France
Research by Dispatches shows that largest 40 Academy Trusts have spent more than £1m of public money on executive expenses since 2012.

One of the most notable uses of taxpayer’s money is by Ian Cleland of the Academy Transformation Trust in Birmingham, which runs 22 schools. Mr Cleland is paid £180,000 per year. The Academy’s expenses reveal that he spent 3,000 on first-class travel and over £1,000 on restaurant bills. The Trust also pays for the use of his XJ Premium Luxury V6 Jaguar car including around £3000 on items like new tyres, a vehicle health check and insurance for himself and his wife. His expenses include a meal at Marco Pierre White totalling £471 and Bank totalling £703.45.

The Academies Transformation Trust said they are “committed to being… transparent” and to “achieve value for money”. They confirmed the credit card is only used for business purchases, including work-related expenses for other members of staff. The most efficient rail fare is booked wherever possible, his role “requires significant, regular travel… hence the car maintenance costs…” which are paid for by the Trust. He is “reimbursed for his business mileage only”.

Margaret Hodge, former chairman of the Public Accounts Committee said: “This money is supposed to be there for the education of our children… the governance system is inadequate, there ought to be proper oversight so these things don’t happen.”

The Department for Education said academies are “subject to stricter oversight and accountability than council-run schools” and that it “proactively oversees academy governance and… spending.”

Salaries:
Dispatches has found that more than half of largest 50 chains pay their chief executives more than the Prime Minister (£143,000).

Last year the chief executive of the Aspirations Academies Trust which runs 12 schools trust pays its chief executive and Founder Stewart Kenning a total package of £225,000 and his wife Paula Kenning £175,000 as executive principal and Founder.

The Co-Founder and President of the Aspirations Academy Trust, Dr Russell Quaglia is based in the USA. In the past three years the US organisation that he founded was paid more than £200,000 by the Trust. Dr Qualiga’s standard rates show that an average visit to the UK costs $8,300 for travel, hotels and meals, consultancy rates start at $8,000 per day and rise to $15,000. When added together it equals $190,000, approximately £114,000. He says that he gives the Trust a substantial discount, only charging around £90,000 per annum.

The Aspirations Academy Trust said, “Dr Quaglia is a highly respected figure in International Education.” The figures quoted “represent value for money” and ignore the free support that is not costed. “The amounts charged are significantly below cost” and “in line with the Department of Education rules.”

On Mr and Mrs Kenning, the Trust said, “The Kenning’s pay is not “out of line” with their previous earnings as “principles of outstanding schools” and “reflects the responsibility” in running a £33m organisation “with over 500 staff”.

Related Party Transactions:
Dispatches have discovered that Academy chains have spent millions of pounds of public money with business deals which are in some way connected to the Trust.

Out of 100 Trusts Dispatches surveyed, around half had paid money to directors, trustees or their relatives through business deals or even direct employment. In one year these related party transactions added up to more than £9 million of taxpayer’s money. These deals are permitted as long as they take place at cost, and the parties involved do not make a profit.

Examples uncovered by Dispatches include:
• One Trust awarded a £123,000 two year contract to the chairman’s daughter for clerking services.
• Another Trust spent more than £100k over two years to a recruitment firm owned by the Trust’s managing director.
• One trust spent £695,000 in one year on IT services from a firm majority owned by one of its members.
Margaret Hodge told Dispatches: “The Department for Education should be much tougher on them, should not allow them to take place… I just think it’s wrong.”

The Department of Education said these transactions “can save money” and “must be disclosed” in academies’ published, audited accounts. “In the vast majority of academies’ transitions” no concerns had been raised, but where they are they “will investigate” and “take swift action”.

HOW SCHOOL BOSSES SPEND YOUR MILLIONS: CHANNEL 4 DISPATCHES – Monday 25th July, Channel 4, 8pm

Short Story Author embarks on “World’s Most Insane” Writing Marathon


In March author Tim Austin began a “Brilliantly Insane” project: to write a brand new 100 word short story every single day for 365 days.  It has since been viewed thousands of times by readers from across the globe – from Sri Lanka to Canada, India and Australia.

With just under 300 more days to go, we talk to Tim about the project, celebrity contributors and what writing fiction means to him.

What is One Word, One Story?

It’s a project where members of the public suggest single words and I use those words as titles for flash fiction short stories.  I read each word, an image forms in my mind and I take that image as inspiration for what I write.  I never, ever know what’s going to come next!  And I’m writing a new story every day for a year over at onewordonestory.org.

It sounds crazy.  What made you do it?

A friend of mine suggested the notion of word association as a way of exploring my imagination and practicing my writing.  I started doing that as a hobby.  At first it was single paragraphs but I enjoyed it so much that I turned it into entire short stories.  Taking it public and doing it every day for a year seemed like a fun next step.

You have a strange idea of fun,….

Haha!  I enjoy taking things too far and I like a challenge.  I think this counts for both.

Why just a hundred words?

I wanted to create something that people could read on the go.  People have little time if they’re on a lunch break or travelling to work and I wanted to write something bite-sized that they could enjoy.  Maybe read two or three in a go.  The other reason was the challenge of condensing a whole narrative into so few words – it really makes every word count.  It’s very pure and I like that very much.

Where did the idea of approaching other authors and celebrities come in?

Yeech, I hate the word “celebrities”!  It sounds so contrived and pat.  I want everyone to be able to suggest words and titles but I thought it’d be fun to approach a few writers and actors I admire.  I’ve been honoured that many of them have been kind enough to donate words.

Such as?

Danny John-Jules (“Cat” in the Sci-Fi classic “Red Dwarf”) suggested “SmegForBrains”.  I’ve also had suggestions from screen writers and authors including Mike Wells, Jonathan Maberry, Eddie Robson (Doctor Who) and Robert Shearman (also Doctor Who – writer of the acclaimed Season One story “Dalek”).  I’m keeping quiet about future contributors.  But I’m always asking.  And I’m always looking for new words – anyone can suggest their own.  Hint.

Did you expect it to become this popular?

To be honest, I thought it’d get a couple of hits a day.  I started the site as a hobby, after all.  But within two weeks I was getting hundreds of visitors a day and thousands of hits a month.  It’s been wonderful to connect with people and hear that they’ve enjoyed each story.  That’s been the greatest pleasure.

You can read, contribute to and support Tim’s One Word, One Story project over at onewordonestory.org now.

 

 

Is This the Best Treatment for me Doctor? Statistics on a Postage Stamp by Dr Kathleen Thompson

When we read about impressive new drugs, do we really understand what the percentages quoted mean?

You may need to make medicines-related choices—particularly for cancer, but other illnesses too. To make rational decisions you MUST understand the numbers your doctor quotes. He won’t deliberately mislead, but it is easy to misunderstand  statistical data.

So let me give you an inkling—not a maths lesson, just a few tips to help you ask the right questions.

Last week the BBC headlined: ‘Breast cancer: Taking hormone drugs for up to 15 years can reduce risk … cancer recurrence was cut by 34%’

Wow. Impressive. But let’s look closer: In that particular study, 95% of those who took the treatment for 15 years were cancer-free, compared to 91% who stopped at 10 years.

Hang on – 95% isn’t that different from 91%. How is that cutting risk by 34%?

Well (and this is important) improvement percentages quoted in newspapers, and by doctors and scientists, are often described in relation to the original risk.

In these patients, the original risk of cancer recurring was only 9%, so any improvement would appear large relative to 9%. If the original risk had been higher, the same benefit would have appeared less.

OK that’s the bottom line. But for the curious, another example:

Relative Risk Reduction (RRR) is a statistic often used to describe drug benefit. It is what it says—the reduction in risk (eg risk of death, or disease recurrence) relative to the original risk, ie the actual risk improvement divided by the original risk.

cancerriskreduction2

The Table shows an example. Patient A has a low risk of cancer returning (9%); Patient B’s cancer is more likely to recur (50%).

You can see from the Table that Patient A’s risk will only decrease by 4% with Treatment X, whereas Patient B’s will decrease by 15%.

Knowing this, Patient B should be more inclined to take treatment X than Patient A.

However, if Patient A’s doctor describes the benefit as RRR (see Table), then Patient A’s risk appears to decrease by a massive 44%. Consequently Patient A may have wildly inaccurate expectations for the treatment. The doctor isn’t tricking him, RRR is scientifically valid, but you need to know what it means.

This example highlights another point. Sometimes we only know that a treatment works in most people. However sometimes there is more information about how much it works in different patients eg Patient B would respond to Treatment X more than Patient A.

If available, you need specific information on the benefit for YOU. This could influence your decision, particularly for a treatment which has significant side-effects.

So, in summary: 

If your doctor uses percentages to explain a treatment benefit, ask:

1. Exactly what do the numbers mean?

2. By how many percentage points should you improve on treatment?

3. Is there more specific information for your particular situation? 

Don’t be frightened to ask your doctor for more information—he wants you to understand and may not realise when you don’t.

By Dr K Thompson, author of From Both Ends of the Stethoscope: Getting through breast cancer – by a doctor who knows

http://www.amazon.co.uk/dp/B01A7DM42Q http://www.amazon.com/dp/B01A7DM42Q

http://faitobooks.co,uk

Note: These articles express personal views. No warranty is made as to the accuracy or completeness of information given and you should always consult a doctor if you need medical advice

Further information:

http://www.bbc.co.uk/news/uk-36455719

http://www.nejm.org/doi/pdf/10.1056/NEJMoa1604700

http://scienceblog.cancerresearchuk.org/2013/03/15/absolute-versus-relative-risk-making-sense-of-media-stories/

http://www.breastcancer.org/risk/understand/abs_v_rel

http://www.nps.org.au/glossary/absolute-risk-reduction-arr

 

 

 

This Is The Average 40-Year-Old

We have the stats on 40-somethings and they are having it tough. Pay inequality is an issue. The average 40 something is not earning a lot. In fact, men are earning an average of £28,460, but women are earning an average of £21,629. A huge gap. Worries include savings, health, looks, and caring for relatives. Read on for stats on the average 40-something.

The average 40-something enjoys retro-classics Star Wars and Grease, earns around £25,000 a year and wishes they’d saved, travelled and exercised more, a new study has found. A survey of 2,000 adults aged 40 to 49 found that the milestone is characterised by two distinct groups – those living a traditional family lifestyle and the ‘young at heart’ singletons.The Nationwide Savings poll looks at a number of different aspects, ranging from wealth, health and life decisions to missed opportunities and favourite pastimes, films and music.

Research reveals the average 40-year-old prefers to spend a night in front of the telly than down the pub, likes to escape on holiday once a year and enjoys two family outings a month.But despite a modest social life, three in ten worry about how they look.Just over half of 40 somethings are married or in a civil partnership and have been with their partner for 12 years on average.

However, one in seven is single and/or lives alone. Some 70 per cent of those in their fourth decade have teenage kids, while 64 per cent have pets.When it comes to regrets, more than a third wished they’d travelled more, while four in ten wish they’d put away more money and over a quarter wished they had kept themselves in better shape.The findings also show that 16 per cent wish they had better qualifications and more than one in ten thought they’d own their own home by now. And it seems people in their forties have plenty to worry about too, particularly when it comes to their finances.

According to the poll, they earn an average of £24,638 a year (men getting £28,460 on average, compared to £21,629 for women).Although 43 per cent fear their pension won’t be enough when they retire, nearly a third worry about being able to support their children. And one in five are concerned about looking after parents or grandparents. Andrew Baddeley-Chappell, Nationwide’s Head of Savings Policy, said: “Given our 40s are when we statistically reach middle age it is perhaps unsurprising that this transition from youth to maturity finds many with a foot firmly in both camps.

“At a time when we could be considered in our prime, our research suggests that some Brits are finding their 40s quite tough. “Their message to the younger generations would be to spend more time looking after your finances and your fitness – avoid that squeezed middle in both senses!” When it comes to relaxing, drama is the TV genre of choice for a frequent night in front of the telly, but retro comedy wins out, with Only Fools and Horses deemed the most popular show, followed by Blackadder and Fawlty Towers. Additionally, 40 something music tastes also have a retro feel, with Queen and Abba topping the charts, followed by Adele, David Bowie and Guns N’ Roses.On the film front, 1980s big franchises and musicals reign supreme, with Star Wars, Grease and Back to the Future taking the top slots, followed by Indiana Jones and Terminator.

After decades of work, the average 40 something earns just under £25,000 (£24,638) a year, has squirrelled away £8,665 in savings, owes £1,626 on their credit card and almost £700 (£681) to ‘the Bank of Mum and Dad’.

The survey shows that men earn an average of £28,460, compared to £21,629 for women. And when all the monthly outgoings have been tallied, the average 40 something reckons they have £291 left in disposable income, with most of their money going on bills, groceries and mortgage or rent payments, rather than a buzzing social life.

Money pressures may have dictated some important life choices, too. Fifteen per cent put off pursuing further training or education, while 18 per cent put off moving home and eight per cent put off getting married solely as a result of financial pressures. One in three feels pressure to stay in a job they don’t like for the financial stability, while a fifth thought they would be in a better paid job by now. One in ten decided not to have children due to the expense involved, while a quarter delayed their plans to go travelling.Despite money worries, 13 per cent of 40 somethings have completely paid off their mortgage, while one in seven believe that they are currently living in their ‘forever home’, where they intend to stay for the rest of their lives.

More than one in ten thought they would own their own property by the time they were in their 40s. And while just over half are paying a mortgage, in excess of a quarter still rent. Health also becomes a greater concern as we reach middle age, according to the poll.In a list of ailments, more than half have experienced back pain, 52 per cent have suffered headaches and migraines and nearly half have endured stress or anxiety. A further 41 per cent have suffered from sleep-related issues and 15 per cent have felt an effect on their mental health. When it comes to getting into shape, more than a quarter of 40 somethings regret not doing enough exercise, with 53 per cent admitting they don’t do any exercise in a typical month. Despite this, 30 per cent of those aged between 40 and 49 are conscious of their body image and how they look, with a clear gender split of concern between men and women.

TOP 10 FILMS FOR 40 SOMETHINGS

Star Wars series

Grease

Back to the Future series

Indiana Jones series

Top Gun

Terminator

Shrek

Pulp Fiction

Toy Story

The Lord of the Rings

TOP 10 MUSIC ARTISTS FOR 40 SOMETHINGS

Queen

Abba

Adele

David Bowie

Guns N’ Roses

Duran Duran

The Beatles

Robbie Williams

Ed Sheeran

Madonna

TOP 10 TELEVISION SHOWS FOR 40 SOMETHINGS

Only Fools and Horses

Blackadder

Fawlty Towers

Britain’s Got Talent

Coronation Street

Sherlock

Game of Thrones

The Big Bang Theory

Strictly Come Dancing

The Apprentice