It’s been said that if you have food in your fridge, clothes on your back, a roof over your head and a place to sleep you are richer than 75% of the world. If you have money in the bank, your wallet, and some spare change you are among the top 8% of the world’s wealthy. It’s a sobering thought. I don’t generally view myself as being wealthy. I think I have lived so much of my life struggling to make ends meet and living on an overdraft that it’s still a shock to realise I hav

It was Christmas 2016. I had been out of work for six months, and our finances were still looking good. I was approached by someone in my...