At the moment, many of us are more worried about money than normal. The effect the CoVid crisis has had on the job market has highlighted just how precarious things are. This realisation has prompted many to take a critical look at their finances. As well as this, many are…

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Photo Credit: Rodrigo_Amorim via Compfight cc After Christmas and New Year all families are forced to tighten their belts for a little while, no matter how big the family is. After splashing the cash on the elaborate and thoughtful gifts that Santa delivered, the bank account always looks empty and…

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