More thoughts on money - and being actually skint! Mr Micawber said, 'Annual income twenty pounds, annual expenditure nineteen pounds, nineteen and six, result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery.' Which is all you need to know, and to abide by. Money can be such a misery we try to pretend that it's other things - credit cards, stocks and shares, the ever-so-pretty sounding hedge fund. And m oney-misery is universal, even for the fabulously wealthy. As I remember the story, in the late fifties Maria Callas sang on Granada at Eight wearing half a million dollars of her own diamonds. During the live TV broadcast, a brooch fell from her stole. In time with the music and chiming with the drama, she retrieved the brooch and refastened it. Afterwards, she waited anxiously to meet the TV company's chief executive, Sidney Bernstein. 'Oh, thank God, you're here!' she greete