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

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

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.

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.

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.

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