One of the surveys, by Ipsos for Wells Fargo, polled adults aged 25 and olders with an annual household income under $100,000 ...

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January is when the damage becomes clear.  Gifts are opened, food and drink eaten - and the credit card bills arrive.

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Nevertheless, Helen Morrissey, head of retirement analysis at Hargreaves Lansdown, suggests there are straightforward methods ...

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Read on to find out the key dates to mark in your calendar, plus handy tips to cut your bills. Household energy bills are set ...