Cash for Questions: 'Most of what I learned about money was from my parents... not from the economy'
A businessperson confesses all about their personal finances. This week Matthew Dick, co-founder of Boundary Brewing in east Belfast.
Q. Are you a plastic or a cash person?
A. I'm certainly a plastic man. I don't tend to carry cash around.
Q. How much money do you usually carry with you?
A. Wouldn't often carry a lot of money around. But if I did, it would just be a few notes.
Q. Do you see personal debt as inevitable, or best avoided?
A. In my opinion, I think that debt is best avoided generally, although there are always exceptions. Everyone is different, I suppose, and some can handle it better than others.
Q. Apart from a house or car, what's the most expensive thing you've ever bought?
A. Eh…good question! Not sure, but I suppose expensive flights to the US, taking me to beer mecca.
Q. Are you a saver or a spender?
A. A wee bit of both, I suppose. Although when there's nothing specifically for us to save for, I'm probably a spender. It just depends, really.
Q. What are your best - and worst - spending habits?
A. As you could imagine, my worst habit is definitely beer - and the good stuff isn't cheap
Q. Did you get pocket money as a child and if so, what was the first sum you received in pocket money?
A. I don't think I did get pocket money, no. In saying that, I can't really remember to be honest though.
Q. Did you have a part-time job as a youngster? What was it?
A. Yes. I worked most holidays at Marks & Spencer in Belfast during my last few years at school. The staff discount on their sandwiches was great! I was also a part-time book-keeper for a local charity.
Q. If you had a huge fortune, would you leave it to your children?
A. Yeah. Although I'd spend a fair whack myself. But whatever I had, I'd leave to them.
Q. Where do you do your food shopping?
A. I would go to Tesco mostly. Unfortunately. I suppose that's the same for many people. But I do buy local produce from independent retailers when I can - things like cheese and coffee.
Q. Did the recession teach you anything about personal finances that you're bringing with you into the recovery?
A. No, not really. I suppose most of what I learned about money I learned from my parents, not from the state of the economy.