To save it. From a young age, I used to save a little bit of pocket and birthday money. I was always encouraged to spend some and save the rest. That's stuck with me. Both my parents were self-employed. My mother was a freelance nurse counsellor. She advised the NHS on blood disorders and was in charge of the sickle cell and thalassaemia [blood disorder] screening programme.
My dad is a carpenter and was involved in building construction. I had a typical middle-class upbringing. My parents invested well and bought property, so we owned our own home. I went to a state primary school but a private secondary.
Education was important to my mother and she worked hard to be able to afford my private school fees. It wasn't easy but she managed. Have you ever struggled to make ends meet? About two years after I left JLS, my wife and I were looking at expanding our food production business — we sell turkeys — and acquiring a new farm. We had an month discussion about the purchase with the vendor and costs mounted.
All sorts of advisers and architects were involved, which cost us a six-figure sum. In the end we decided not to go ahead and walked away, but the process left a massive dent in our personal savings. At the time, I was making the transition from pop star to a career based around farming and television, which was tough.
For about 18 months, it was a challenge to meet all our bills, including my son's school fees. I don't know how we did it.
I'm a Christian, I pray and I put it down to divine intervention. We made cutbacks and worked hard. We also released equity from our investment properties — and that was our saving grace.
Have you ever been paid silly money? When I was with JLS, we were paid five-figure and six-figure sums for private gigs where we would typically do sets lasting no more than 20 minutes. Obviously we'd split these fees four ways. Once, we were paid a huge amount to have dinner with a wealthy gentleman and his daughters.
We didn't sing at all — we just ate with the family. That was pretty cool. What was the best year of your financial life? It was It was a busy year for JLS. I think we'd had five number one records by then, so we had lots of gigs and endorsement deals. I think we sold , tickets that year and the band got voted 'hardest working people in music' for the amount of touring we did. We worked pretty much every day. My focus, though, was never on the money — it was on the experiences we were having.
I would think about the money at the end of the year when I'd get my accountant's summary saying: 'You've just made a high six-figure sum'. Then I would say to myself: 'OK, cool, how can I invest it? The most expensive thing you bought for fun? It was the first car I ever bought and I purchased it outright. It felt great. The best money decision you have made?
Buying investment property. My parents always encouraged me to invest in property and it's something I will encourage my children to do. I don't, I should and I want to. I wish someone had told me to save into a pension when I was in JLS.
I've come to realise late in the day that as a self-employed person I have to save into my own pension. I am planning to start one soon. I think that when you're young, you assume you'll always be able to earn money. You don't necessarily think about what will happen when you can no longer do that. Fame and fortune: JLS, we were paid five-figure and six-figure sums for private gigs.
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