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The run up to christmas can often leave you feeling like you've lost control of your finances. The presents. The socalising.

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NO). List all your debts in APR order from highest to lowest. Include your overdraft if you have one (as these days overdrafts are often the most expensive form of mainstream borrowing). Then, if ...

With 15 per cent vitamin C – stemming from 3-O-ethyl ascorbic acid – and five per cent polyhydroxy acids (PHA’s) stemming ...