Credit Crunch Busters

• It has freed up some much needed cash
• The changes to my cash flow have been neglibible
• I now have too much spare change weighing down my purse/wallet
• It has encouraged me to spend more
• I was not aware of any VAT alterations

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• Christmas shopping... That's for people with money isn't it?
• There has been a considerable difference; I've really had to cut back
• I've had to cut down slightly
• There's been no change to my spending pattern
• What credit crunch? I've toppled last year's spending

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