Do you fancy yourself as a bit of an entrepreneur?
Much like Derek Trotter from Only Fools and Horses, you can typically be found flogging your wares from a shabby suitcase while your hapless brother keeps an eye out for the police.
When you’re not trying to get rid of the old rubbish you’ve found in your garage, you’re down the pub drinking inexplicable cocktails and wowing the locals with your limited French vocabulary.
Quite simply, you’re a friendly, happy-go-lucky character with a heart of gold and an unashamedly sanguine view of life – but there’s one teensy-weensy problem ...
... you’re skint.