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Pay for everything in cash.
What we mean is, stand there in the shop and count out the money note after note.
You’ll have a greater sense of how much you are really spending.
When buying that desirable, but not essential Ipod, hand over 10 twenty pound notes rather than swipe your credit card. Maybe you’ll change your mind and realize than £200 in your pocket with worth more to you than the latest gadget.
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IVA The definitive guide to IVAs - Individual Voluntary Arrangements.
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