Obviously it's prudent to take your time over major decisions, and consider all the options before making any new financial commitments. Fools rush in where angels fear to tread. Apparently. So is it really such a good idea to change your phone company for the first time in your life at one o'clock in the morning, half asleep, after about two minutes thought?

Don't answer that. But on the bright side, it's thanks to people like me that the government brought in laws about cooling off periods. This is why I never go to Spain - I'd come back with timeshare holidays totalling fifty-three weeks a year.

But anyway, it's not my fault, I was forced into action by my latest phone bill, which had the audacity to be twice as much as any phone bill which had ever previously dropped through my letterbox. I'm not saying who's to blame, but the answer begins with 'L'.

And ends with 'isa'. So I decided to take action. That was at about 12:58am. Ten minutes later I'd handed over my bank details - there's no point hanging around. So I have officially left BT, after a lifetime of paying through the nose for frankly nothing, and joined OneTel, who are kindly offering me free local and national calls 24 hours a day, 7 days a week, for just £10.99 a month.

So now might be a good time to change your number, coz you can bet your life I will be calling, and I won't be putting the phone down.