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

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.

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

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.

If you are a housewife, take pride in that.