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Still showing a surplus of over £175 per month - were does this go ? A spending diary is probably a good idea right now.0
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it's really important to find put where all the money goes.
if indeed you can overpay the debts make sure you are snowballing them... that is pay the minimum on each debt except the one with the highest APR and on that pay as much as possible; that way you will pay off the debts quickest and paying the least interest0
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