If you are a housewife, take pride in that.

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.

A lot of people live in a property that will one day be part of their pension, and that is true for me too. I have an investment I can sell with ease.

Maybe, instead of paying so much in tax, the very rich could be incentivised to help their local community and young people who do not have a home.

I have made six big home moves in my life and I have never lost money on one I have lived in.

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

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.