My mum was a dinner lady and a cleaner while dad worked night shifts as a hydraulic engineer. They did not have a lot of spare cash and only ever bought what they could afford. We never had a car and cycled everywhere. We never went to restaurants. I did not know what Chinese food tasted like until I was 15.

I have a fall-back fund for the quiet months. I am a single working parent and it gets lonely when things are insecure.

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 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.

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

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

There are times when I feel over-rewarded for what I do for a living, especially when I compare what I can earn to what my brother earns as a firefighter.