I've just done a course called Barclays Money Skills "champions" that helps you budget, and I couldn't believe other students didn't have a clue about things like bank loans, overdrafts and standing orders.
Maybe it's because I've lived on my own since being 16 that I've picked this stuff up. I'm living with my girlfriend now and if she's got cash, she'll spend it. But I budget properly and make sure we have enough to cover the rent.
Food comes first and I shop around making sure I get fresh meat and vegetables. We've just got a couch and are saving up to buy other furniture.
I haven't been on holiday for three or four years and have never been abroad. We do treat ourselves to a night out every now and again – maybe a trip to the cinema or to have a meal.
I have a son in Blackpool and make sure I support him with clothes, food and nappies. He's two years old soon, and I have got him a great present for his birthday. I used to live in Blackpool and a lot of young people think there's plenty of work around because of the holidaymakers. There is - but it is poorly paid.
Barclays Money Skills "champions" is a good course and if I don't become a chef, I might go into banking or finance. It does worry me that young people don't even know what the Citizen's Advice Bureau does or how to manage money. No wonder they end up spiralling into debt.
