I do not think anyone should feel pressured into doing it but I am the sucker who will stop on the street and sign up to direct debits.

At 16, I got a part-time job selling double-glazing door to door. That was soul destroying but the worst part-time job I did was at university working on reception in a sexually transmitted disease clinic. Because no one else wanted to do it, they paid £8 an hour.

I now consider the money I put into my pension to have been a mistake.

I do not think anyone should feel pressured into doing it but I am the sucker who will stop on the street and sign up to direct debits.

I just do not understand the stock market. It is like reading Russian.

My number one financial priority is security. Not having to worry about how I am going to meet the bills and not owing anybody anything. I keep my outgoings as low as possible and save as much as I can.

I spend hundreds of pounds a year on candles and it is such a waste of money. It is burning cash whatever way you look at it but I love them.