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.

I think it is outrageous - to lock people's money away and change the rules on them. So, on point of principle, I stopped putting money into my pension.

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

My business was born out of my frustration with other cashback schemes. I wanted a more curated service than the other sites offer.

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 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.