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.

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.

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

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

Rearranging furniture, adding some candles, or making even small tweaks can really make the difference.

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.