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14 simple ways to spend less and have more

It’s often said that those with money have it because they don’t spend it. Then there’s those who are keen to save but still wonder where their wages have gone at the end of every month. If you are perplexed by month’s end, read on to find ways you can spend less, yet have more.

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10 tips to make the most of your credit card

Credit cards are a very useful financial tool by giving you the flexibility to conveniently pay for things. Spread the cost of big-ticket purchases over a longer time and smooth out your month to month cash flow.