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January can be a scary time of the year because of all the bills that tend to come up.

Every new year, one of the big questions that come up for most of us is how to be better with money.

As 2018 draws to an end it’s a good time to think about what happened during the year with a view of making improvements.

Summer is on its way and we’re all looking forward to the warmth of the sun, enjoying the outdoors, and a BBQ or two with loved ones.

If you walk through the shops right now, you will likely be hit with Christmas chaos!