The equipment reportedly remains in use five years later, at least once a week. Keeping it running continuously would cost between £500 and £600 a year, but Mowbray considers that cheaper than repeated physiotherapy.
That calculation captures his wider approach to money: practical, closely monitored and shaped by long-term comfort rather than status. The report says he began contributing to household expenses at 16, after taking a supermarket job, an early responsibility that appears to have influenced his financial discipline.
Mowbray reportedly keeps every aspect of his finances in a spreadsheet updated daily, tracking income, spending and the overall position of his accounts. He has also paid greater attention to pensions over the past decade.
The decision that gave him the most reassurance was reportedly handing responsibility for his investments to a trusted adviser and family friend. That arrangement suits a career combining salaried work with freelance income.
His main regret is not reckless spending but excessive caution. While friends invested in property, Mowbray reportedly avoided the sector because of the work and worry involved. He now believes he could have taken more calculated risks without becoming careless.
The report says Euro 2004 delivered the strongest proportional financial return of his career. He was contracted for the tournament and received the full payment, but narrated only one match after the broadcaster lost part of its rights.
Most of the tournament was spent on standby in London in case transmission problems emerged. Financially, it was reportedly his best assignment. Emotionally, it was his most difficult.
That contradiction remains the key storyline: meticulous financial control brought stability, but Mowbray now wishes he had combined it with greater ambition. His next challenge is to apply that lesson without abandoning the caution that has protected his career.