| http://www.w3.org/ns/prov#value | - That way you will be able to afford costs such as school fees and school uniforms for the new year. * Prioritise your home loan and rent. * Avoid unnecessary credit and the ???buy now, pay after three months??? adverts. * If you do borrow money, make sure you do so only for what is strictly necessary, and ensure you can afford the repayments. * Make it a family project to make presents for friends
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