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.

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

We should be encouraging people to earn a lot of money. I do not know one wealthy person who does not spend money - and most of them employ other people.

Those who earn money know best how to spend it.

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.

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.

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.