I sometimes find it hard to remember the days ‘BJ’, that is, before Joe. But one thing I do remember clearly is just how much disposable income we had, money to spend on frivolities like clothes and make-up, eating out, excessive amounts of shopping that we didn’t need, and holidays. These days it seems that every penny is accounted for and earmarked and most of it seems to be earmarked for Joe. Earmarked for Joe? Yes, it has to be said, it costs a fortune being a mom to a football mad boy. Each month we spend around £100 on his football training and subs. He has a season ticket…