As a child, growing up in Hampstead, North London, I was shockingly fair-skinned. Holidays involved me spending the second and third day face-down on a bed, shrieking should anyone touch my blistered skin.

Just as there are moments when the words flow and it feels like the easiest job in the world, there are many more when I think I have nothing to say, and my journalism training taught me that writing is a job, that you write whether you are inspired or not, and that the only way to unlock creativity is to write through it.

I had just got married when I started writing my fourth novel. I'd come back from honeymoon, moved into our first house - a gorgeous little carriage house in London - and made my office on the third floor, overlooking the treetops in North West London.

I believe it is the flaws that make us interesting, our backgrounds, the hardships.

Somehow, even though you have less time and less money, the thing about making indie films is somehow you have another kind of resource: a human resource, where you can really look to your creative colleagues and actually ask questions that are honest.

Of course it's normal for people to say, 'Yeah, this player changed teams because of the money.' That could be the case sometimes, but after a certain level of success? No.

When you run a company, you want to hand it off in better shape than you found it. In the same way, just as we shouldn't leave our children or grandchildren with mountains of national debt and unsustainable entitlement programs, we shouldn't leave them with the economic and environmental costs of climate change.

Money you know you need or want to spend in the next few years is savings. Money you keep handy for an emergency belongs in savings. Money you hope to use soon for a down payment on a house belongs in savings. And all savings belong in a low-risk bank savings account or money market account.