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BBC TV presenter Kirsten O Brien says the past year has been the most financially challenging of her life.  O Brien, 49, who hosted the popular CBBC art programme SMart for a decade, says her top priority is balancing the books after a precarious year for freelancers such as herself in the TV and arts industry.  She spoke to Donna Ferguson.   Precarious : Kirsten and her husband are both freelancers  What did your parents teach you about money? To seize the moment. My mother was one of those people who would go shopping, see a dress she really liked, and not buy it. Then she d get home and wish she had. Eventually, she would go back to buy it, only to find it had sold out in her size. She died when I was 26. So I very much have a get the blooming dress approach to life. 

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