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.

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

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 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.

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