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Gail Vaz-Oxlade: Analyzing your spending will help you create a realistic budget
If you want to be able to cope with life’s little surprises you have to first know exactly where your money is going.
Gail Vaz-Oxlade: Hiding your head in the sand is no way to get on top of debt
Take stock of your debts and devise a plan to pay them off while saving as much on interest as you can.