Our experts

PAUL CLITHEROE

Paul has been the chairman of Money magazine since its launch. Paul says: “It would be great to have one really nice, customtailored suit. I tend to buy the ‘two suits on special’ offers. But the bespoke suits are really expensive and I just can’t bring myself to do it.”

PAM WALKLEY

Pam was founding editor of Money and is now a senior staff writer. Pam says: “I love travelling. After splurging on a transSiberian trip last year I planned a pricey Arctic Circle cruise this year but will wait until investment markets – my main source of income – improve and take some cheaper trips in 2019.”

TERRY RYDER

Terry is the founder of hotspotting.com.au and author of four real estate books. Terry says: “I’ve spent a lot of money on overseas travel throughout my life and right now

I have half a dozen bucket-list trips planned in my mind. But currently I’m prioritising investment and debt reduction so I’m forcing myself to delay gratification.”

ANN LOVEDAY

Ann has been Money’s art director for seven years. Ann says: “I’m driving an old Benz that I’ve had for years. I still love it, look after it and it’s reliable, apart from the leaky air-conditioning. But I really, really need the new A250 AMG MercedesBenz. My ego says buy it but my budget says stay with the old girl. Sigh.”

ANNETTE SAMPSON

Annette has written extensively on personal finance and she has written several books. Annette says: “There’s a joke among cyclists that the number of bikes you need can be calculated by the formula x + 1 where x is the number you already own. Guilty as charged. I covet a new road bike though definitely I couldn’t justify it.”

GREG HOFFMAN

Greg is the chairman of Forager Funds Management. Greg says: “I broke two ribs snowboarding in Japan last year and for the first time flew home business class to minimise discomfort. It was great. I can afford to do it more but I just can’t justify the expense.”