Barely a month since we got back from a lovely holiday in Croatia, we’ve been thinking about what to do and where to go next year. I enjoy surfing the net, trawling through a few brochures, to see what’s out there and now the children are no longer children, we are trying other places. But with the state of the Pound against the Euro, we’re holding off booking anything, certainly before Brexit day, 31 October 2019.

Today the pound tumbled to €1.0969, which means to all intents and purposes, when taking into account commission etc, that a Pound equals a Euro. In many countries in Europe – and I’ll cite Greece as an example – that makes things eye-wateringly expensive. Put simply, the Pound today declined by 1.46% against the Euro.

People who know about these things – they are called experts: a dirty word in these days where lies and half-truths are regarded as more acceptable currencies – say the Pound will decline still further in the coming days and weeks, falling to €1.05. If that happens, in reality you will get less than a Pound for your Euro. Great.

A hard Brexit will almost certainly knock at least a further 10% off the value of the Pound. To many, I know this is a price worth paying in order to ensure we are all worse off and lose influence in the world. It won’t be a good thing for holidaymakers, though.

I guess we could book an all-inclusive holiday because everything would still cost the same, regardless of downward currency fluctuations, and that’s a real possibility. What we won’t be doing is booking anything else until Brexit is done one way or the other.

Where we used to go on holiday, a wonderful self-catering complex, you pay in Euros. With a decent exchange rate, this was good value. With a terrible exchange rate, it isn’t. I hear my friends say this about the places they go to, as well. And booking something which could be a year or more away, how on earth will we be able to work out what the exchange rate will be then? There are so many what ifs.

Added to the above, the end of reciprocal health agreements with other countries and this higher insurance premiums, longer waits at passport control and immigration control and the Pound worth sod all, 2020 might be the year to book that holiday in the Lake District.

Let’s see where we are in November. I don’t expect to be out of the country by then.