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

I grew up in a world before people had credit cards. There were no magic cards - it was all about budgeting.

There's no getting away from it: you have to clean.

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

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.

Why do we consider that just because people have more money, they do not deserve it? It is totally wrong. They deserve everything they have earned.

The first rule of management is delegation. Don't try and do everything yourself because you can't.