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Get cosy and save money with these savvy tips to boost your home’s efficiency – and beat any energy zappers

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GONE ARE THE DAYS OF RUMMAGING THROUGH YOUR CLOSET – CLEAR THE CLUTTER AND GET ORGANISED WITH THESE EXPERT TIPS

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We help you make savvy choices, so your hard-earned goes that bit further

Q I’d like to help my teenager learn about money. Do you have any tips on where to start? A The good news is there’s loads of help online. For example, HSBC has resources aimed at ages from young chil