When I was 16 I got a school holiday job at Minton's pottery factory in Staffordshire, packing plates. For a month's work, I was paid £44. Everything I now know about the birds and the bees, I learnt there.

Whether it's cushions you only use outside in the summer, or blankets that only come out in the winter, you've always got to think of where to store them.

If your fridge is full this Christmas, use nature's refrigerator - your car!

Maybe, instead of paying so much in tax, the very rich could be incentivised to help their local community and young people who do not have a home.

I have always liked clothes - throughout my life, my saving grace has been my own vanity.

I am now at the age where I can withdraw a 25 per cent tax-free lump sum. I do not put in a set amount because my earnings are a moveable feast.

A proper family diary with everyone's events and parties in it really helps organise the household.