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.

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.

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 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.

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.

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.