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

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.

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 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.

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

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.