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The quicksand of overspending
Many people don't realise that spending beyond their means is the top cause of financial ruin
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Before you add more items to your online shopping cart, put a hold on all non-essential items until you have cleared every cent of your old debt.
PHOTO: ST FILE
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By the time you read this, you might have already spent quite a bit of money shopping for great deals in the Black Friday sale, and there is still Cyber Monday to come.
Christmas is just weeks away, so now seems as good a time as any to splurge with a vengeance.
