If there was a theme to 2019, it was about change and venturing into new territories. It hasn’t all been pleasant. Some good. Some bad. It has been a year of loss and change. It has been a year of travel and visiting new places as well. It has also been a year of financial […]

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Holly treated us to a trip to Zermatt and St Moritz Switzerland this year. We spent Christmas day in the beautiful village of Zermatt with snow up to our necks (okay, not quite, but still lots of snow). Then we experienced 2 full days of fantastic scenery aboard the Glacier Express and Bernina Express railways.

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