We are all aware that we can save on our energy bills, but we sometimes forget that it is often the most simple of tasks that make it a reality. No one likes being cold, and it is the easiest thing to switch on a heater to warm the room at the end of the…

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Honouring your monthly debt payments can be challenging, especially during difficult economic times. It may be that you have been retrenched, and are finding it a struggle to make ends meet.  Avoiding your debt payments will not help, and, as you have borrowed money or incurred debt, you have a contractual obligation to repay the…

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