'Labouring for dad pushed me to pick another career'
In this week's Cash for Questions section, it's the turn of Declan Moore who is operations director at the Progressive Building Society, which has 12 branches across Northern Ireland.
Q Are you a plastic or a cash person?
A Mostly plastic, but a little cash can always come in handy.
Q How much money do you usually carry around with you?
A I don't really carry a lot of cash as I prefer to use a debit or credit card for most purchases, but I like to have between £30 and £50.
Q Do you see personal debt (ie, credit card, personal loans) as inevitable or best avoided?
A I have always tried to avoid personal debt whenever at all possible, however, a little debt can on occasions be unavoidable.
Q Apart from a house or car, what's the most expensive thing you've ever bought?
A I don't really spend a lot on myself, but I have a wife and three children so that tends to be expensive.
Q Are you a saver or a spender?
A I believe that there is no point in having money if you can't enjoy it, so it's important to spend money on things that inspire you and allow you to spend time with people you care about.
However, I also think it is important to get a balance and try and save for that (inevitable) rainy day.
Q What are your best, and worst, spending habits?
A Best is spending money on a family holiday where we enjoy quality time together and worst is spending too much on them while we are there.
Q Did you get pocket money as a child and, if so, what was the first sum you received in pocket money?
A I have four brothers and we always received pocket money. I don't remember the first time I received pocket money (that's too far back to remember) so I cannot recall the amount, but I do remember that my parents were always quite generous.
Q Did you have a part-time job as a youngster? What was it?
A I worked in my father's business as a plasterer's labourer during the summer holidays - this was physically demanding work and played a key role in me choosing another career.
Q If you had a huge fortune, would you leave it to your children?
A I would definitely make sure that all my family shared in my good fortune.
Q Where do you do your food shopping?
A At the nearest and most convenient shop - I really don't like shopping so loyalty doesn't feature in where I shop.
Q Did the recession teach you anything about personal finances that you're bringing with you into the recovery?
A I think it was a good lesson for wider society and, while a little bit of credit is ok, using personal debt to supplement your income can be very dangerous. Also, savings are important, as you never know when you may need that emergency fund.