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

Rearranging furniture, adding some candles, or making even small tweaks can really make the difference.

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

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.

I had started working in television but it did not pay that much. I was 27, renting this little one-bed flat in Shepherd's Bush, West London, with a bathroom so small only someone of my size could actually get in it.

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

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.