As January dawns, most of us will put down the chocolates, reach for the runners and plunge head first into our good intentions.
When it comes to money, many of us are less proactive, with financial planning often put on the long finger. And for those who do vow to improve their finances in 2014, goals can often be too vague.
For many people, the main problem with their finances is a lack of direction. ''Lots...
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