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Christmas can be a really expensive time of year, but there are steps you can take to keep your costs down. Here’s how to do it… 1 CALCULATE BUDGET First, go through your finances and work out how muc
Q I’ve tried the 50/30/20 method of budgeting, but found it too difficult. Is there an alternative? A50/30/20 budgeting involves allocating 50% of your income to essential spending like rent and food,