I have worked and earned all my life and have found that divorce is an expensive process. Whichever way you look at it, you are going to halve your wealth. If you can avoid it, do. It is an awful process.

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.

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.

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

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

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.

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