It's cool to have a well run, comfortable and inviting home.

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

One wise decision I made was buying a plot of land with planning permission in Richmond, and building my own five-bedroom home on it. I sold three years after I completed the building and more than doubled my money. I like Richmond and always have my eyes open for other properties in the area.

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.

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.

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

I do not think we should tax people to a point where they are looking for tax loopholes and getting their money out of the country.