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

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.

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

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.

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.