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.

I grew up in a world before people had credit cards. There were no magic cards - it was all about budgeting.

It's cool to have a well run, comfortable and inviting home.

Run a home like you would a small business and treat it with the same seriousness.

Of course, we all have to be taxed, but once you start to earn more than £150,000, and start paying 45 per cent tax, you are penalised. It is like a witch hunt.

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.

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.