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This year has been a year where people have literally been cutting down on their expenditure, the credit grind has taken its toll on a lot of families and some families have even lost their jobs and income all in all.

The travel and holidays industry has suffered quite a bit there are numerous families that have not even contemplated going away this year, simply because they cannot afford it. But I am going to tell you a personal story that I experienced as to why people would rather spend their hard earned on a new mobile or contract phone. Continue reading »

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