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Are you beating the January blues and shopping around for your summer holiday? Check out the best - and worst - value destinations this year...

http://www.telegraph.co.uk/finance/personalfinance/consumertips/10561255/Cheapest-destinations-Holiday-pound-stretches-furthest-in-Bali-and-Algarve.html
Swings in the pound and local price changes makes Bali the cheapest destination with the Algarve best value in Europe
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Race Winners's profile photoFábio Fragoso's profile photo
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They took all your money and then ask for more if you see this message close or change account number
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From slow cookers to £90 for an old phone. We set out 50 ways you can save money in 2014
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Race Winners's profile photoFábio Fragoso's profile photo
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these people are fraudulent
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Would you judge your success by your possessions? Do you find yourself more stressed now than before the recession? 

http://www.telegraph.co.uk/finance/personalfinance/10513756/Britons-emerge-from-recession-less-materialistic-but-more-stressed.html
British ranked among the least materialistic nationalities in the world, according to a survey of attitudes among 16,000 people across 20 leading countries
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Would you benefit from a "Social Supermarket" in your area?

http://www.bbc.co.uk/news/business-25264865
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Argos ditches traditional collection counter, laminate catalogues and pledges to serve customers within 60 seconds
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Use our table to find the exact date you are expected to be given a state pension, following reforms
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Race Winners's profile photoFábio Fragoso's profile photoClaire Williamson's profile photo
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The whole idea is to 'die in harness' so they won't have to pay anything at all
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Notes that will take a spin in the washer to be introduced in 2016!

http://www.bbc.co.uk/news/business-25427663
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these people are fraudulent
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Do you tip your postman or binmen? Is this to save money or a generation gap?

http://www.dailymail.co.uk/money/bills/article-2524513/End-Christmas-tipping-More-half-dont-postmen-binmen-milkmen.html
Just over a fifth of people tip their hairdresser, while postmen are the next most like trade to receive a festive tip (22 per cent) followed by binmen (15 per cent).
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The Government has decreed younger generations will work longer before claiming a pension. Luke O'Mahony, 26, will have to work until he is 70 - unless he follows our plan.
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Buying presents online? Make sure you know how to protect yourself
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Do you like speaking to a real person in branch or would you be happy to do your banking with computers?

http://www.telegraph.co.uk/finance/personalfinance/consumertips/banking/10468109/How-your-bank-could-look-in-five-years-time.html
A technological revolution is under way in banking, with computers lined up to replace humans in branches
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No Credit Checks | Current Account | Prepaid Card | Basic Bank Account | Guaranteed Acceptance
Introduction
CardOneBanking offers an exciting online current account and is open to everybody (subject to identification, you must be at least 18 years old and a UK resident). Even with bad credit you can get a current account with a prepaid MasterCard ® card!

We'll help you manage your money so you can keep track of your payments or standing orders. Even if you can't pay an item, we won't charge you a rejected payment fee and we will let you know in good time. We'll ensure all your bills are paid on time and even give you a CardOneBanking Prepaid MasterCard to keep control of your day to day spending. A basic bank account alternative!