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We wish you a Merry Christmas & a Frugal New Year!

We wish you a Merry Christmas & a  Frugal New Year!

Right as the next few weeks pass and we haemorrhage cash like nobody's business, I know I will be making an extra special effort to keep my wallet closed as much as possible in the New Year. It's all about being smart and trying a little harder, rather than giving things up or just doing without.

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