According to your tool I am overpaying myself :) I think you did a great job with this - I did take this rather on the light side when I started... Paniced a li

According to your tool I am overpaying myself :) I think you did a great job with this - I did take this rather on the light side when I started... Paniced a little later (when I got my first tax invoice), then decided to be on the save side... Luckily I was never a big spending guy - so it turned out alright.