Gloaters, the sort of know-it-alls who are always wise after the event, irritate me deeply. So, I want to make it 100 per cent clear before we start that when, in the next paragraph, I say, "The greatest threat to your financial wellbeing is borrowing", I am not trying to be smart.
I know that the recent economic downturn has caught many people by surprise and left them struggling to keep on top of their monthly...
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