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Cash for questions: 'I'd love to save, but I'm busy investing'

Every week, we ask a businessperson to tell us about their personal finances. Karen Boyd is the owner of pre-made pizza dough company, Pizzado.

Q. Are you a plastic or cash person?

A. Definitely debit/cash card for me.

Q. How much money do you usually carry around with you?

A. I would usually carry around £30 .

Q. Do you see personal debt (ie: credit card, personal loans) as inevitable or best avoided.

A. I feel debt is best avoided.

Q. Apart from a house or car, what's the most expensive thing you've ever bought?

A. My son rides, so a horse.

Q. Are you a saver or a spender?

A. I would really like to be a saver, but setting up Pizzado has meant lots of investing for now.

Q. What are your best and worst spending habits?

A. My best spending habit is that when shopping for food I am careful to buy the best value; but I love a good restaurant.

Q. Did you get pocket money as a child? If so, what was the first sum you received in pocket money?

A. Yes. I think it was 50p, and I got the most because I was the eldest.

Q. Did you have a part time job as a youngster? What was it?

A. Yes, I worked in a local cafe in Donaghadee from the age of 15.

Q. If you had a huge fortune, would you leave it to your children.

A. I only have one son, who is very capable, so I would leave him some.

Q. Where do you do your food shopping?

A. I love local, so I support my butcher and shops in Portaferry, with my main shop in Tesco.

Q. Did the recession teach you anything about personal finances that you are bringing with you into the recovery?

A. Yes: the lesson is that a rainy day is just around the corner, so it is best to be prepared.

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