I don't believe in ghosts. Besides, our social circles are in two different countries, our finances are divisible, our pensions are separate, we don't have kids. And we don't intend to.
[pen] you have it covered, then. Nevertheless, separate finance and pensions are not immune from vindictive ex-wives (or husbands for that matter) when it gets to court.
I saw that England had got noticeably cooler over the past couple of days. Temperatures are still holding up on this side of the Narrow Sea. 13C this morning, blustery, showers expected. Must.... buy... thermals....
I will head down the allotment and see if I can dig over and compost another vegetable bed or two ready for the winter planting. And, weather permitting, cut the grass.
I might try planting some late purple sprouting broccoli. I've been told I may get a small crop in March if I do it now - and they won't be prone to the caterpillars that ate the whole bloody lot that I planted in June.