I don't spend and save whenever I have spare cash. I dislike people who boast about money.

I've coached people who were ranked number one in the country but didn't get any support while other areas of sport got medium to full funding, even though the individuals had no hope of getting on to the rostrum.

I hate my Visa card but have to use it for diesel, insurance and big items. I prefer paying by cash whenever possible because that way I feel as if I've got a better grasp on what I'm spending.

I don't spend and save whenever I have spare cash. I dislike people who boast about money.

If you've been frugal during your life and tried to save, you're penalised by the tax system. You pay tax on your wages, your savings and even your private pension.

When you experience having nothing you value everything - and that applies to all aspects of life.

I prefer to give money to the person who's provided the good service. But I never tip at hotels, I think they overcharge anyway. But anything which is value for money will get my vote.