It looks a good site mate, D3 deal with 14-24mm is tempting, body only is cheapest I've seen on a non dodgy site. NO THINK OF THE MORTGAGE!!!
Dave, if I was in your shoes Amazon would have just made a sale.
D40 18-55 kit £276.06 free delivery, think I only paid £40 less for my Sony P&S!
Add the 55-200VR for a total under £420 or wait and get the other lens another time.
Amazon.co.uk: Nikon D40 Digital SLR Camera - Black (18-55mm Lens Kit): Nikon: Electronics & Photo