Any problems opening them, please do let us know. Also highly recommended on the night was Money Saving Expert’s Xmas manifesto and the Pre-NUPP –No Useless Presents Pact where you can email friends to agree not to buy for each other, in a really kind way! My favourite is the printable voucher you can use to gift your own time to do something special for someone or help them with decorating etc. These ideas and more can be found in the files above.
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