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Paul Gambles, Managing Director

As well as ‘getting more exercise’, one of the items that can be difficult to achieve in a To Do list is setting – and more importantly, sticking to – a personal budget.

It seems simple to do, doesn’t it? First you make a list of your income; then write down your basic outgoings. After that, divide what’s left over between savings, clothes, as well as that sleek new tablet with apps for reading the newspaper while simultaneously making you a hot, frothy cappuccino.

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