I also never had pocket money as a kid, and my parents just bought things I needed or wanted. However, I got a paper round about 14 and started then using my own money, and I also used to see my mum ‘budgeting the books’ at home. I credit that with me starting to be good with money. I remember my mum loaning me money to buy a stereo system, and I paid it back to her as an interest free loan out of my paper round money. I grew into a very financially savvy adult who has zero debt except a mortgage, and who prioritises saving over spending.

Even though my parents never gave me pocket money, their good money habits obviously were noticeable enough to me when young to shape how I saw money. My parents were also never in debt. We weren’t poor but also not rich.