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Acting on all this advice on how to live more frugally, however, won’t come easily to many of us. For years we’ve been living in a hand-to-mouth culture – working, getting paid and spending. And if we want more than we can afford, we’ve simply been borrowing to buy that new car, sofa or house. We’ve been assuming the future will somehow take care of itself, or that if it doesn’t it’ll be ok because the government will step in and rescue us.
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