Moneysaving and general frugalness

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At this time of year everyone is always conscious of their bank accounts. This concern is added to by the seen need to spend spend spend. I have found that a few web sites can change peoples minds on how they perceive this required spend… not just at Christmas, but also throughout there life’s on things like holidays, shopping, mortgages and savings. Think about your money, you can make it work better for you. Did you know if you were to look at your outgoings very thoroughly you would in most cases be able to give yourself a pay rise of approximately 30%!! Just by spending smarter. Look on these two web sites for more inspiration www.moneysavingexpert.com http://www.consumeractiongroup.co.uk/forum/ Remember, you are the consumer, and it is within your reach to fight back and get better use iof your hard spent money.