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My money… Seema Jaswal

PICTURE: REX

■ The ITV World Cup presenter, 33, loves splashing out on shoes and impulse New York trips

What was your first job?

Working in Next on Saturdays when I was 16. I earned £6 an hour. They gave us a 50 per cent discount and I spent all my money on clothes in the shop.

What’s been your best investment?

Years ago I started as a runner at Sky and they paid me two months’ salary in one go. I wanted to go shopping but my boyfriend took me to a bank and told me to open an Isa. I worked out the interest I’d earn – it wasn’t enough to buy a pair of shoes, so I was in a right strop that day, but it’s been worth it in the long term as I still have that ISA. The other good investment was buying a hat for Ascot. I found this beautiful hat that cost £350. I bought it as a last option in case I couldn’t find anything else as the colour matched my dress. I went to a hat hire shop and asked if they had anything similar. They didn’t, but the lady said to keep my original hat, wear it, then bring it back and they’ll hire it out and she’d split the profit with me. Three months later I got a cheque from her for £50. If it gets rented out more this year, it’ll cover the £350.

What would be your money-no-object purchase?

I grew up in Richmond and I used to walk past a beautiful big house every day – Angelina Jolie and Brad Pitt bought it. If you go past it on the bus you can see into the gorgeous garden. I’d buy that.

What luxury wouldn’t you give up?

I travel for work so much I wouldn’t give up my pampering time – once a month I’ll get my nails done and have a facial.

What’s been your biggest financial regret?

Not buying my own property. I’ve wanted to get on the property ladder for a long time and me and my husband are looking for a house – but I wish I’d done it sooner. It’s so hard finding something you want in the area you want and I regret not trying to make it work sooner.

Are you a spender or a saver?

At heart, I’m a spender. When I was a student I used to shred my bank statements without opening them. I was terrible. I’d think ‘What’s the point of opening this when I know there isn’t anything in my account? It’s only going to make me more depressed.’ Now I’m more sensible. I’m saving to buy a house. I ask myself ‘Do I need this?’ before I buy something. I have an accountant and keep my receipts and file everything on time.

Are you pretty savvy with your personal finances?

I’m certainly better than I was. When you’re self-employed you have to be on top of what you’re earning and where your money is, because you never know what’s going to happen. I’ve got an accountant now and have different saving accounts. Schools definitely should teach money management lessons and how to use a credit card, which you need for your credit rating but you also need it to make sure you pay off.

What was your last impulse purchase?

Last summer, I booked a last-minute trip to New York. I booked on Thursday and flew out Friday. With my work I never know what’s going to happen. I’ve just worked 27 days non stop, so I never book holidays in advance because I don’t know when I’ll be working. We stayed at a hotel in Soho in New York which is on the Netflix show Power, which I was very excited about. I’m glad we did that. It was worth it.

Cash or card?

Card – it’s so easy with contactless. And I find it’s easier to keep track of things when you get your statement. If I’ve got £50 in my purse I’ll spend it and I can’t remember what on – but if you’ve got your statement you know exactly where your money’s gone.

Seema Jaswal presents World Cup coverage on ITV