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

Why do we consider that just because people have more money, they do not deserve it? It is totally wrong. They deserve everything they have earned.

Divorce is the biggest drain, outside of school fees, and nobody wins. People think it is always in the woman's favour, but it is not necessarily.

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.

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

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

Those who earn money know best how to spend it.