When I get home from the consumer-hell that is modern xmas, the phone rings and a nice lady from the housing association explains that I've been overpaying by a few quid a month for ages (which she has told me before...a few times: I just couldn't remember the exact amount when I did the standing order, and had rounded it up)
and, she tells me, she has a refund cheque to the tune of an entire month.
Which if I came and picked it up by 4, I'd have time to bank it along the street. And I just did.
I do believe in

!!!! What fabby timing - how nice of her to think to phone me so the cheque would clear this week.
Got Mrs

and her elves some posh choccy biccies while I was up the street, to make tea-breaks more chocolatey till xmas, and took it in on the way back - which seemed to make them cheerful out of all proportion, too.