Garland, 50, started her first business when she was 23, with £600 of savings. In 1997, she launched CJ Garland & Co, her Hartlepool-based call-centre operation. Today, it has 3,000 staff, a range of blue-chip clients and a turnover of £43m a year.
Money comes with success, and everything depends on how you use both the success and the money. I've always ploughed a lot of money back into the business - I managed to grow it from a one-man-band start-up to quite a big business by constantly reinvesting profits.