THERE is a rumour going round that we are all so hard up church mice are organising a whip round.
Now that Mr Carney has got his interest up it is almost worth shipping the cash back from warmer climes.
Only joking, it's just that for some people the shock of seeing a rise for the first time in the life of their mortgage seems to have frightened the horses.
If times are so hard and friends more scarce than nipples on a snake how come each and every sector of the car market has improved and increased comforts and capabilities?
And in turn prices.
The top Skoda Kodiaq Scout is a splendid machine which is only lacking a Jacuzzi to make it the full luxury hotel suite.
But this will set you back £36,000 and not that long ago if you said you were spending that sort of money on a Skoda people would assume you had been overdoing the laughing gas.
Volvo's latest manifestation of the XC60 has improved fittings but is around five grand more than the last model.
Buyers, except those scooping up Dacias by the bucketload, will not look at a car which comes without Bluetooth, cruise control, masses of passive safety gear and connection to all known interplanetary communications.
Halfway up the food chain it is almost impossible to understand how any accidents happen at all, even pedestrians can wander like drunken minstrels safe in the knowledge that large numbers of vehicles are programmed to be nice to them.
That technology may salve your conscience but it also has to be paid for, it's not on the National Health.
And so to the subject of today's fiscal analysis, the Kia Sorento 2.2 CRDi KX-4 with a lovely six-speed automatic gearbox and all-wheel drive.
This as a full-fat, self-determining 4x4 with seven seats competing with the likes of the Volvo XC90 but for much less money.
Yes, on road tyres it is going to show limitations in the sloppy stuff but believe me it is a workhorse if you really want one.
On the road the two-litre diesel is quiet and the ride is refined to the point of wondering why you would spend more on a badge just for better school gate presence.
It is far from slow given its size, it will sprint to 60mph in 9.6 seconds although the one disappointment is that economy is claimed at a combined 42.2mpg and I failed to get the on board computer to confirm more than 35.6mpg.
It will take on the twists and turns without wallowing but is in its element over long hauls and doing motorway work.
In town it is big and you know it.
However the real beauty at this top level of the Sorento range is inside.
Everything is well put together and fully leathered up.
The quality in here matches all-comers from the eight-way adjustable driver's seat to heated steering wheel.
Look, before me are two A4 sheets of standard specification so it's going to have to be the edited highlights, I am afraid.
There is an eight-inch touchscreen with navigation and the Bluetooth streams music.
A 360-degree monitor and reversing camera help the car scratch free and for those rare sunny days the side windows have blinds and there is a panoramic roof.
Frankly Kia has put more in than could be left out so think of a feature then be surprised if it is not standard.
The expected systems for lane departure, cross traffic and blind spot detection are in place but pedestrians are on their own, although there is an emergency braking warning.
It's up what you do with your money, hide it off-shore or spend it.
A high-spec 4x4 like this one is certainly a worthy way to enjoy your hard earned as well as being massively practical with an electronic tailgate, splitting seats and plenty of storage space.
In the case of the CRDi KX-4 this means parting with £41,450, in my opinion better than hefting it at whoever is running UK PLC which is like giving a kid a fiver and urging they don't spend it all on sweets.
Oh, and another thing about that tax system in the sunny islands. We invented it.