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Can I get broadband without a landline? How good are people in your job at saving into a pension? Money Morals: What should I charge a friend to rent my spare room? Should I pay off my student loan before applying for a mortgage? When a handsome young architect arrived at Camilla Stephens’ London flat 16 years ago, she did not suspect she would end up with a husband and business partner as well as a new kitchen. Camilla, now 45, went on to set up Higgidy Pies from her Fulham apartment, but at the time she was just an aspiring cook looking for a way to make money from her culinary skills. James Foottit, 37, found Camilla and her pastry irresistible.