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Avoiding nasty surprises

Budgeting can be difficult. Some people are not used to having large amounts of money to allocate to different things, or simply haven’t got enough money for everything they need and It’s easier to ignore the problem, hoping that ‘something will come along’.

When all your friends are spending money, it’s hard to say ‘I can’t afford it’ and most of us are pretty reluctant to ask for help.

Getting stung a few times is a memorable way of learning how to manage your finances, but avoiding this in the first instance is much better:

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