Thanks for the speedy replies guys - sounds like the DMC-TZ3 is the one to go for then!
I'll have to start saving up then, as it's over my budget at £220.
I do like it though and it would be my first choice, money no object.
I had overlooked the FX-30, so perhaps I will take another look at that. I've seen that it can be picked up for £120 which seems a good deal. Compared with the F31d at the same price, it has a wide angle lens, image stabilisation and slimmer styling. Hmmm, decisions, decisions...
Thanks again for your advice! I'll let you know how I get on.