During my early days as a sportsman and early career as a policeman, things were tight. In athletics I competed as an amateur and, although I might have received some expenses, very little came my way in earnings.

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.

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

It seems that nearly every week there is a problem where information is leaked or computers hacked. I'm conscious of keeping my details as safe as possible. I might be old but I'm still bright and prefer to go into my local branch and see a face.

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.

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.

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