Thank you everyone for your advice and support, I have a better understanding, now, not just about LOA, but about me, too. I'm still mulling it and am confident I'll be practicing it more and more.
Jennihul, yep you were spot on. 'llI pay your bill with an insight sometime in the future.
RT, thanks for your links. They helped a lot.
I also realised I don't visualise so much. Actually, I worry about where the next dollar is going to come from and why I'm not getting what I want. So, this adds to the desperation and I am left with the result I have. Ha! But, it is all cool, as it is a heck of a learning lesson.