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I was too busy to spend my wages, so they went towards my course fees and bills.

I graduated without a penny left over, but was debt-free.

The success of ‘mumpreneurs’ is proof that we can all have multiple careers over the course of our lifetimes, and that we aren’t defined by or limited to the work we do today.

STEPHANIE MCGOVERN, 31, covers business for BBC Breakfast, and contributes to a range of other programmes including BBC Radio 5 Live’s Wake Up To Money and Radio 4’s Today.

We just never got round to getting a joint account.

I had to give up holidays for two years to pay it off.

Some of the most successful business owners I speak to became entrepreneurs after careers as company managers, bankers, or decades as full-time mums.

This is something I’ve learnt in recent years as I have watched friends and colleagues deal with nasty surprises such as car accidents and family members being taken ill.

Knowing you have even the smallest buffer can afford you time to come up with a solution.

I used to put all my expenses on cards, then try to sort everything out at the end of the month.

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