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best foot forward

Published: 23/12/2008

The Lady (Main)

The end of the old year and start of the new is normally a time for optimism and, although it is hard to feel reassured about finances amid the current economic turbulence, that does not mean that you cannot take steps to improve your situation.

"Work out how much you have to spend every month once you’ve paid for the essentials" says Andrew Hagger of personal finance website www.moneynet.co.uk."If you don’t know what you have to begin with, then you can’t manage your money effectively."

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