I have made six big home moves in my life and I have never lost money on one I have lived in.

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

Run a home like you would a small business and treat it with the same seriousness.

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.

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.

When I was 16 I got a school holiday job at Minton's pottery factory in Staffordshire, packing plates. For a month's work, I was paid £44. Everything I now know about the birds and the bees, I learnt there.

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