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I prefer the debit card because I know how much I have in my bank account and whether I have enough for what I bought. I very rarely use a credit card but I do if I know that I have big projects entered Bill and I need to spread the payment. And it is strange that I did a crazy amount of credit cards, I did not use as I when he was a good deal will be opened and used briefly, and then I chucked in a drawer and never touched their new.

HOW YOUR CHILDHOOD INFLUENCED YOUR ATTITUDE TOWARDS MONEY?

I grew up in a Trinity on a succession of expatriates, sugar plantation and this meant that I had no idea about money much later than most of the children. MOM makes clothes that my sister and I needed and in our House in succession, the furniture not our own.

I remember there is a chalet where all families visited for socialization and you request just MOM and Dad for a drink and they have signed it.And I have not yet taken a normal bus because we had a special bus take the succession.Si school I had never physically to deal with money, until I was about 15 and we returned to a regular four bedrooms on a new domain to the United Kingdom detached house.

She feels weird - I knew not how to take a bus and when I started to win silver in my first job in a working shoe store on Saturday I've saved like mad.I have been a saver since.

HAVE MONEY MAKES YOU MORE HAPPY?

No, I have more money now that my parents when I grew up, but because I'm freelance I tend to treat each day as if it could be my last. I don't assume that I have a lot of money, and I don't let myself not fou.Nous are comfortably off the coast, but I still want to have more set aside where it ends tomorrow.

HOW SEPARATE RESPONSIBILITY FOR MONEY WITH STEVE?

I take care of everything, because I think I'm better money lui.Et pay as much as possible by direct debit as well then it's done.Steve is much more boom and bankruptcy I - if he took money there pass you it until she disparu.Nous have separate bank accounts and we also have a joint bank account and run the banking pool account.

HAVE YOU LEARNED SOMETHING ABOUT MONEY MAKING A MISTAKE?

I've lost my pension plan when Equitable Life.Je really see that as my mistake, because I thought I was doing the thing sensée.Ce was the Cup experience, but I took it on the Chin because there was nothing I could do about it. I was in my twenties when it happened and I lost about ￡ 10,000 and never return.

I started a new pension eventually - plan for some time, I saw the point, but after a few years, I've created my courage and now I pay each month a certain amount and forget.I check to see how he, I expect just as it once a year and it seems to be OK.

I know that I'm doing the right thing by having one, and I can't control if the stock market goes towards the top and low pitch I can control the weather.

WHAT YOU HATE TO DEAL WITH MONEY?

I'm registered VAT and every three months, I have to sort out my return and be really organized, but I refuse to YH ' lose receipts and I'm really bad to know where everything is YH ' have recently taken on a new posting is really understand and just nicely smiles at me about it.

WHAT HAS BEEN YOUR BEST BUY?

Our House that Steve and I bought at the end of 2006.It was originally a three bedroom bungalow and we sold a property each purchase, which published enough money to demolish it and start rebuild from scratch.

We bought ￡ 425,000 and spent ￡ 400,000 to reconstruction and the furnishings.Last year, it was valued at ￡ 1.2 m and this year should be even more so I think I've done bien.Je expect not sell well, therefore I am deliberately not attention to real estate prices.

AND YOUR WORST?

Dresses that never wear.I do most of my purchases on the internet, because as a busy working MOM, I can do store supermarket when children went to the lit.Mais I lie forget clothes to try things on the first - I see adorable clothing on various Web sites and the next thing I know a box comes with a new dress inside.

Very often the dress is not enough good me and I always think that I'll come back, but I never get around to him.My local charity well out of my shop.

ARE YOU A CLAMSHELL EASY OR HARD WORK FOR YOU?

I always point because I worked for many years behind bars for 20pc, myself and people underestimate how much it is difficile.Mais if someone gives me bad service, I will give the least.

WHAT HAS BEEN YOUR BIGGEST LUXURY?

My dress mariage.Il cost me ￡ 2,800 is expensive, but not fou.Il was worth.

YOU INVEST MUCH?

Non - actions only I have are the ones I've assigned when construction companies is transformed banks YH ' I simply ignore.

DO YOU USE SAVINGS ACCOUNTS?

Yes, we have a joint savings account that I silver squirrel in vacances.Je prefers to siphon off little bits here and there, I will not notice and then when I search I found that I have enough to go on holiday.

YOU HAVE ISAS?

Yes, but I'm not sure that they are stocks and shares ISAs or trésorerie.Bien ISAs that when I quit from y to reflect, I learned their value may reach or downwards, so I guess they must be stocks and shares ISAs.

HOW WAS YOUR HOLIDAY FAVORITE?

We just return a cruise for two weeks around the Mediterranean YH ' I thought that I PIN for me to do something like that, but it is our best day yet .c ' was great, we didn't steal because Amy is a firecracker and putting up with it on an airplane is never pleasant.

We have taken the cruise from Southampton and order in Barcelona, Cannes, Rome and Majorque.Personne did seasick and the cost for a family of four was approximately the same as hiring a villa after include you flights.

Andrea has launched a new company, 3-synergy (design, construction and domestic) .see www.3-synergy.com

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