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Save Money With Ease In 2020

        Christmas has been and gone, it’s the start of a new year, and if you’re anything like me, the tree is down, and the decorations have been packed away ready for next time. You might even now be thinking about those “new year’s resolutions” and hoping this year it will be …

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The Spiral Of Change

        When mastering a new skill, we go through stages of competence. Stage 1 is unconcious incompetence. It’s that stage when you think you’ll be able to do something because someone who is a master makes it look easy and you get started, only to find that you suck and it’s hard!! …

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