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It’s the end of the year, a time to take stock and buy lots of presents and other stuff, all of which means you may realise you’re skint. So, what do you do about it? Well, a new year’s resolution may be a good place to start – ‘Spend less, save more’ or something like that. But if you fancy some advice on how to bring in more cash and control what you’ve got, check out this 5 step plan to clear debts from the Telegraph. Merry Christmas!

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