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Emergency fund
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Important to remember whilst you are now addressing these, you must look at the reasons you are in debt. If you can pay off 10k in a year the income must be relatively good. If you know exactly how the debt came about and can show something for it that's great but a spending diary might help you cut costs on little things you hadn't thought about. Good luck on your journey£2 Savers Club for 2022 #120
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Minimum of 3 months is the advice I've been given. This allows for you to survive for 3 months should you lose your job, without relying on the govt. to bail you out.0
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