Both - I enjoy spending, but only within certain limits, I struggle to be very extravagant. I think it's to do with security about money; when I bought my first house in the 80s I spent a few years in a negative equity situation where money was really really tight. I've never got over the fear of being homeless, and as a result I like to save and to pay off as much of my mortgage as I can. I think it's also to do with my upbringing; I was brought up with the Presbyterian work ethic!

I am lucky enough now to have a good job and a good income, and never, ever take for granted that pretty much I can buy what I like (within reason of course!). For example if I go shopping today and see a top I like in M&S or somewhere I can just buy it without thinking if I can afford it. My mum was never able to do that....

I must admit though to feeling envious when my stepson goes on the most marvellous exotic holidays and his girlfriend buys gorgeous designer clothes - they have a totally different attitude to spending money and to credit. But I just couldn't bring myself to spend money so lavishly!