Money matters.

Waste is bad for the environment. It means extra pollution and squanders resources. One of the resources it squanders is your money.

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It can be hard to build up savings these days. Money is tight for many of us and putting spare cash away is difficult.

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Following this year’s COP26, we are all aware of how important it is to make every effort to protect our fragile environment and be more sustainable in everything we do. But what about Christmas, when all the usual rules tend to be forgotten?

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Christmas is a time of joy and generosity, but it is also a time of big spending. From big Christmas dinners to expensive décor and presents, Christmas can put you into debt that you spend most of next year to get out of.

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We all hope that Covid is finally on the way out, and not going to ruin another Christmas.

But we shouldn’t forget that it is not the only threat to our own and our family’s health over winter. Flu is waiting in the wings, and remember, it changes every year. This year according to some experts, we could be in for a particularly virulent strain. What’s more, because of the coronavirus lockdowns, as a population we have lowered our immunity to the flu virus.

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As the winter months approach, we may need to consider cranking up the heat throughout the day, which can have a significant influence on our energy use, heating expenses, and carbon footprint.

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There’s no shortage of advice being dispensed about money — how to make it, manage it, and increase it — thanks to personal finance websites, money pundits on television, and feedback from family, friends, and even your neighbours. All of this can make separating fact from fantasy difficult at times.

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A card scam occurs when criminals deceive you into using your bank card to make a payment under false pretences. They can be quite intricate, but if you’re caught off guard, they can be catastrophic.

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How to spot a scam.

We all think we are savvy enough not to fall for a scam – but every single person who lost their money – or even their life savings or pension – to a scammer thought exactly the same thing.

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We all have a tendency to forget the practicalities when romance is in the air. We want to be generous and shower our loved one with gifts - but the fact is that our cash (unlike our love) always has some very severe limits.

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Rent or mortgage, power, council tax, food, the car – the bills keep on coming in. it is all too easy to find that your available cash does not quite cover them all.

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