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Beware the December pay trap!
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Funnily enough, I was talking about this with my 16yo today.
She said she knew Nov & Dec were expensive months with two birthdays and Christmas so I launched into my budgeting spiel and that I saved for these and that I get paid early in December so I move it out of the account so it doesn't leave me with 5/6 weeks to week the salary out.1
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