You can't bank on it

 We used to have several banks in our town and gradually they have closed one by one. Now we only have... one.

It is odd as the last two that closed were always busy.

Not everyone banks online or ever wants to.

November already

 The shops are beginning to look a lot like Christmas. Does anyone else visit shops We do and find it more depressing each year that fewer shops and certainly independent shops exist.

Amazon is sheer crap and anyone who blindly uses it thinking they are getting a cheap deal is wrong. Often the prices are more than in a local shop.