Rosanna Spero is the JC's money maven. She has been writing about money, property and#000d small businesses for more than 30 years. She has worked for a#000d range of magazines and newspapers, with much of her working#000d life on the Money Mail section of the Daily Mail. She has also#000d written a number of books on the subject. Email her with your#000d questions at rspero@thejc.com