While waiting for my visa, I got a job in the music industry, which was so exciting, it changed my life and stopped me moving.

When I bought my first house in London with my husband-to-be, our surveyor said: "Nicki, you're paying top dollar, but it's not an investment," and I said: "But we're buying a home, not an investment."

I've always paid off my mortgage as much as I could.

If you get up every morning and smile, it's a good place to be.

While waiting for my visa, I got a job in the music industry, which was so exciting, it changed my life and stopped me moving.

I applied for three jobs in record companies and was offered all of them. I took the most glamorous-sounding job in the promotions department and it began my love affair with the music industry.

Thirty-nine was the best year of my life earnings-wise. I paid off my mortgage and felt a massive sense of achievement.