Thanks again all. The thing I like most about this forum is there are so many knowledgeable, helpful and friendly members on here that are willing to take the time to advise. It's good to know I'm not alone in my endeavours and I can ask on here for help if I get stuck with something. Keep it coming and I'll keep you appraised of how I'm progressing and keep asking questions on this thread if that's OK.
I'm off for a while to do some research and thinking.
I'm really appreciating your help and advice.
Respect to you all, I'm feeling much better already, especially with the wife having a go at me over it. She wouldn't care less if I had to walk to work, so long as the bills are paid ect.