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

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.

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.

Of course, we all have to be taxed, but once you start to earn more than £150,000, and start paying 45 per cent tax, you are penalised. It is like a witch hunt.

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.

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

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.