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

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

I bought my first house when I was 24 for £19,500 and it was sold two years ago for £256,000. I've always made profit on my houses.

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 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.

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.

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.