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How to get divorced in 2019

With January comes the cold weather as well as the peak season for divorce. Christmas, with its tensions over money and family, can often be the final straw, leading to New Year’s resolutions for some to split up once and for all. Divorce is emotionally gruelling and it’s difficult to concentrate on...
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How to diet cheaply

I’m gradually getting back on the dieting bandwagon. Last year I lost four stone, but what with Christmas and near-compulsory chocolate eating I’ve put six pounds back on. That means I still have nearly two stone to lose before I’m no longer considered overweight. That feels like a huge mountain to ...
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How to stop spending at Christmas and avoid debt

This time of year it’s all too easy to let your spending get out of control. I’ve got a sizeable credit card bill thanks to Christmas spending – including our trip to Edinburgh – and it has to be paid by the end of this month unless I want to accrue interest. Which I don’t, obviously, so that means ...
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Would YOU share your finances with your partner?

Possibly the most controversial wedding vow (after obey, which surely no bride says any longer) is the bit where you promise to stick together ‘for richer or poorer’. There’s little more likely to widen the faults in a marriage than flaky finance, after all. Being married, or being in a committed re...
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These six simple steps are all you need to sort your finances

If you believed everything you read in the papers, we are all going to financial hell in a debt-fuelled handbag. We spend too much, save too little and will end up starving as pensioners rather than relaxing in retirement. Much as I love a sensational headline, I’m beginning to think that scare stor...
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Don’t be in the dark about debt

It’s not easy staying in the black these days unless you’ve a good income. I am lucky that I have (dwindling) savings which I can call on if I’m running short of cash or have an unexpected bill. But I also just try to keep spending under control. That means going without that new book, shirt or what...
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Back to school: at what a cost?

Next week school summer term begins: and we are ready for it, with the homework done and the uniform already ironed. Fortunately, junior has not yet undergone a massive growth spurt: unlike many of his 12 year old friends who surely must be eating Miracle Grow on their cornflakes. He still fits the ...
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New rules on credit cards: millions could pay less

Even though my finances are often under strain, it has been many years – possibly going on for 15 – since I had an outstanding debt on a credit card. And long may that continue. Unless you’ve got a 0% deal on your card, then if you don’t pay off the bill in full you’re going to be hit by a huge amou...
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In the red on Blue Monday

Blue Monday - which falls on 15 January this year - is meant to be the most depressing day of the year. There is a pseudo-scientific calculation on this (which wouldn’t stand up to any rigorous scrutiny) but basically it's a combination of bad weather/post-Christmas lows/broken resolutions and a mou...
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My six top tips for paying off Christmas debt quickly

Welcome back everyone! It’s 2018, we’re going back to school and holidays are most definitely over. Meanwhile it’s cold, there’s nothing to look forward to and most of us, including myself, are in the red after a Christmas blowout. I was lucky to be able to borrow from my emergency fund so I won’t b...
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How to play credit cards at Christmas without going into the red

Overspending at Christmas can result in a debt hangover in the New Year. A hefty credit card bill could spoil January – and even the months after if you don’t clear the debt. But there are sensible ways to plan your spending at Christmas. For starters, you need to make sure you’re using the best pay...
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Debt: how to move from red to black

I am – obviously enough – not well off. But I am never in debt. I do have a credit card but I pay it off in full every month – even if it means dipping into savings. This does make financial sense but it also helps with my peace of mind: I have a real fear of debt. I’ve know people over the years wh...
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Counting the cost of living

Here’s another piece of news to add to the January blues: the cost of living is going up. Great! Just as I’m starting to feel really stretched paying back Christmas, I’m told everything’s getting more expensive.  As well as our waistlines, prices were getting inflated during December, the exper...
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Why credit card debt could spoil your Christmas

Counter-intuitively, the less money I have, the more I dislike credit. My model of living – low income but low expenditure – works because I don’t have debts. And that includes credit card debt. This is partly because I am not organised or sophisticated enough to run my credit cards efficiently, so ...
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