Is it a bit too early to talk about Christmas? I recently published a post about how to afford Christmas when you’re skint  So I don’t think so, especially when it comes to money and spending habits There are lots of sales and promotions enticing…

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Pixabay. CCO Licensed. Christmas is a time for giving, a time for family bonding and – for many people – a time for excessive spending. There are lots of things to spend money on at Christmas including presents, food and decorations. For those that are…

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