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Whatever your age or financial situation, your approach to saving, spending and investing can have a direct effect on how you grow your money over time

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Track your cash

Keep on top of what you spend

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Where to start?

The first steps to consider when planning your finances.

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Long-term financial planning for all seasons

Bayroyal Credit Union's The Future of Retirement The power of planning report found that 41% of people are under-prepared to deal…

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