If the tax man can save me from financial ruin, then anything can work out better than you think it will. Just this morning, I was lying in bed after another night spent tossing and turning because I didn't know how I was going to pay my phone bill when a very fat, very unexpected, very welcome cheque came through the letter box. It was one of those rare moments when you're absolutely convinced that some-one or some-thing bigger is watching out of you.