'Dad told us to buy things we could afford'
Each week, we ask a businessperson all about their personal finances. This week, it's the turn of Bryan Boggs, manager of Clandeboye Estate Yoghurt
Q. Are you a plastic or cash person?
A. Bit of both. I am still a bit old school and like some cash in my pocket but I do use plastic more and more.
Q. How much money do you carry around with you?
A. I don't need a lot of cash in my pocket. I just like the feeling of having £20 or £30 quid in case I need it.
Q. Do you see personal debt as inevitable or best avoided?
A. Best avoided. Dad always taught us only to buy something when you could pay for it, and if it cost £100, why pay double that after interest?
Q. Apart from a house or car, what's the most expensive thing you've ever bought?
A. I am not really a big spender. I happily spend money on family holidays and travel, but I'm not so big into possessions.
Q. Are you a saver or a spender?
A. I am more of a saver than a spender. I always like to think there's a bit there for emergencies. But I'm getting better at spending and enjoying it, you can't take it with you.
Q. What are your best and worst spending habits?
A. I was always a bit too careful with money but with age I have realised that you might as well enjoy time with your family - so travel and season tickets to Ulster Rugby with my dad and my sons seem much more important.
Q. Did you get pocket money as a child?
A. I think I got about £1, and I remember my mum taking us on a Friday after school to get a comic and some sweets. Golden Wonder sausage and tomato crisps were a favourite.
Q. Did you have a part-time job as a youngster?
A. I always did something about home. Dad had a shop and farm so although not always happy about it, I had plenty to do. My first real paid job was digging spuds for Willie Hunter, and I really loved it.
Q. If you had a huge fortune, would you leave it to your children?
A. Of course, I would like to help out my two boys if I was leaving a fortune, but would hope they had proved themselves first. I don't think you appreciate what you have unless you know what it is to earn it. I would also be keen if I was leaving a fortune behind that I'd thought of a few ways that it could be used to help some others.
Q. Where do you do your food shopping?
A. To be honest, my wife Gillian does almost all our shopping. When I go into a supermarket, I head straight to the yoghurt section and tidy up our Clandeboye Estate Yoghurt products on shelf (much to my kids' embarrassment).
Q. Did the recession teach you anything about personal finances that you are bringing with you into the recovery?
A. Probably the same as many others. You learn property isn't always safe as houses. And, if a bandwagon is already in motion, you shouldn't really jump on, it's probably too late.