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How to avoid debt at Christmas


Ever wondered why retailers decorate their shops for Christmas in late October? It's all about the psychology of spending; they're hoping you'll get swept up in the spirit of things and spend, spend, spend. Don't start the New Year in monetary misery, find out how to stay debt free this Christmas

Managing your debt - practical advice


Practical advice on how to get out of debt and stay ou

When a friend owes you money


You lent a friend some money and now she's reluctant to pay up. iVillagers advise on how to deal with freeloading friend

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