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Andy Olivier
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Ever wondered what you should pay off first? 

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Good article, well surmised. 

-3.5 degrees this morning in Christchurch! Hope everyone is keeping warm. 

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Interesting, well written and thought provoking! 

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Yes please! Sounds like a great idea.

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Great place for breakfast, love it! 

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Waiting for our plain to Melbourne! 
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