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.

Divorce is the biggest drain, outside of school fees, and nobody wins. People think it is always in the woman's favour, but it is not necessarily.

People who earn reasonable amounts are being turned into the anti-Christ. I think 45 per cent tax is a colossal amount to take off somebody, and it is taking away the incentive to earn.

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

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

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