Those who earn money know best how to spend it.

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.

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

If you are a housewife, take pride in that.

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

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

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