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

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

I had started working in television but it did not pay that much. I was 27, renting this little one-bed flat in Shepherd's Bush, West London, with a bathroom so small only someone of my size could actually get in it.

Unless you completely understand the investment world, do not mess around with it. It is not something I would go anywhere near.

The first rule of management is delegation. Don't try and do everything yourself because you can't.

I do not think we should tax people to a point where they are looking for tax loopholes and getting their money out of the country.

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.