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However, whilst my grandson is only 12 years old, he has a worldliness to a person twice his age, so it came as no surprise on our last visit, that many of us went fishing, I noticed him making calls and sending texts using his mobile phone. A wry smile covered my face as I watched him tapping away frenetically using the keyboard belonging to the handset. A few moments later, I heard a loud voice shout «I've caught one!» He previously caught a terrific carp and was desperately reeling it in. We eventually landed it.

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I to be able to admit that my football playing days are long behind me, but I do still have fun with the occasional five-a-side game with similarly aged desperate dads, trying to cling on to our once proud bodies! We meet about once a week at our local sports centre and spend an hour puffing and panting our way via a match usually against another, similarly sad set of dads and geriatrics!

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This simple system has several powerful principles, paying yourself first, creating a savings habit, being organised with your money also to spend as compared to you earn and invest the lay.