In my view, the money is poorly spent and given willy-nilly to people unlikely to get on the winning rostrum.

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.

One thing which frustrates me about state pensions is the disparity between EU countries.

I like paper statements rather than relying on computers. I feel more in control if my account details and transactions are broken down on paper.

Being born not long after the war meant that money was tight. I grew up in a rural corner of Lincolnshire and my father worked on local farms. Being one of nine kids meant we didn't have much.

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.

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.