Flipping Freezing

Minus 7 this morning, not as cold as some places.
I dropped Tom off at the dentist because his heel is sore, he managed to walk back.
I cancelled my travel insurance renewal, it annoys me that they want to automatically renew it.
My Nursing and Midwifery Council payment has been taken out of my bank but is not indicating it has cleared on the online platform. I phoned up, an automated voice said they had problems with payments recently and not to worry.,,,,