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stanford loan Penny-pinching father Ben Hatch is unashamed of his extreme frugality - even if it does cause some embarrassment for his family (centre and left) when they smuggled sandwiches into Disneyland. The alternative was paying six euros for a slice of pizza. Mr Hatch says his children Phoebe, eight, and Charlie, six, are never happier when playing in their cardboard box, instead of on computer games (right). The family live in a large semi in Hove, East Sussex, drive a new VW Passat and are well paid - but Mr Hatch jumps at any opportunity to save money.