ugg sizes Ugg boots and furniture from IKEA
Just imagine that you earned 62million last year. James must have pondered all those questions, for she is in the fortunate position of having earned precisely that staggering sum from her Fifty Shades Of Grey series of erotic novels over the past year.
The racy trilogy, about guileless student Anastasia and her billionaire lover Christian Grey, was first published as a free e book, but has been so successful that it has gone on to sell 32million copies, sparking reports of paper shortages in America as printers struggled to meet demand.
Forbes magazines literary rich list has revealed that the 50 year old Londoner earned more than any other novelist last year.
She has a large property portfolio (Edinburgh, Perthshire and Kensington) and takes her holidays across the world in mansions costing 76,000 a week to rent.
In addition, she spends up to 150,000 a year on security. James, however. Indeed, the parsimonious mother of two has barely spent a penny of her royalties.
Instead of hitting Bond Street with a platinum credit card, shes been busy snapping up bargains at Ikea, the home of cheap flatpack furniture.
Like many of her ordinary fans, she spent the May Bank Holiday Monday in the bargain Swedish superstore in Croydon, South London, where she picked up bedroom items for her two teenage sons, who are 18 and 16.
She went completely unrecognised by other shoppers you get the impression thats just the way she likes it.
Indeed, Erika seems determined to carry on her suburban existence as if she hadnt suddenly made millions of pounds. Her biggest outlay has been on her home.
She used to live in a 350,000 red brick terrace house in unfashionable Brentford, West London, with her husband Niall, 53, but they have moved into a 2.65million double fronted house in a neighbouring suburb.
While the couple are in the process of refreshing the house, they have no plans to change the colour scheme.
Rather fittingly, it has grey gates, a grey conservatory and grey kitchen.
Erika has spent much time tweeting about the succession of plumbers and fitters who have been adding new cupboards and working on their inadequate boiler.
But she seems to be concentrating on relatively small, cosmetic changes, and has not sought planning permission for any further work which means no swimming pool, home gym or triple garage for her.
With six bedrooms, though, it is certainly more roomy than her previous cramped home.
Erikas taste in transport is similarly suburban no fancy sports cars for her. She upgraded their pongy old Honda to a nice Mini Cooper when royalties from her book began pouring in, and has since added to their car collection with a snazzy Audi TT, worth 40,000.
They have kept the Honda, though, as their older son is learning to drive in it. She keeps a low profile, I am told by one local.
To this end, she has spent the summer playing badminton in her new garden (her husband recently bought a 19.99 set from Argos).
And instead of holidaying among the rich and famous, the family spent their summer break in the rather more down to earth environs of theDordogne.
The family flew to France on cut price airline CityJet for 150 each, and spent their holiday visiting a fairground and watching a duck race in the local village, while Erika tweeted her delight at the sight of a supermarket chiller full of reasonably priced ros wine.
She could hardly be more typical of a middle aged suburban mum on holiday. It is no different back at home, where she loves nothing more than eating Nutella on bread and quaffing reasonably priced plonk particularly Oyster Bay Sauvignon Blanc.
Indeed, judging by her effervescent Twitter feed, she has a delightfully liberal relationship with booze.