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Budgeting like a pro: how to successfully keep costs down

Deciding how and when we spend our money can be difficult — especially when there’s so much out there to buy, from fancy dinners to the new and latest fashion trends. Not only that, but we all make New Year’s resolutions, and they can often be disastrous, with 80% of people failing by February and regretting it instantly — have you managed to stick to yours? One of the most common New Year’s resolutions is to cut down on spending, and although this sounds achievable, if you don’t have a fully-pledged strategy in place, the likeliness of failure spirals out of control. Our spending patterns all add up, especially with the amount of unexpected expenses that occur throughout our lives — from broken boilers to a hike in our car insurance. It all adds up. For that reason, we’ve made some assessments on how those extra savings can come in…