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‘I’m 24, have a useless degree and pretend to work from home’
How I Spend My Money: our reader finds it hard to exercise self-control
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‘I’m divorced, retired and living on £11k a year – this is how I spend my money’
How I Spend My Money: Our reader lives frugally, yet happily, within his means
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Constantly switching accounts? Here’s how to manage the perils
Telegraph Money explains why chasing the best deals may not always be a good idea
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Savers are finally being rewarded – should you borrow to save?
Telegraph Money explains how to generate some extra cash by juggling borrowings
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Why your credit score could cost you your mortgage (and how to boost it)
Telegraph Money explains how to improve your score – and avoid a bad rating
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The best way to spend your Amex points, according to the experts
From travel to shopping, make the most of your American Express credit card points
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What to consider before you get a new credit card
Paying with plastic comes with a long list of potential upsides and pitfalls
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‘Harrods refunded me for a £3,650 Cartier ring that I still wear – on my raised middle finger’
Katie Morley investigates: our reader should have taken the moral ground and returned the ring