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Almost everyone uses some form of credit. Credit allows us to get goods and services by paying for them later. But credit can cause money problems if not managed wisely. Signs of credit problems You might be having money problems if: • You pay only ... more

This is not just any slump, this is an M&S slump. It is a risotto recession and a Starbucks slowdown. The credit crunch has just landed foursquare in the front garden. Listen to Howard Schultz of Starbucks, who is axing seven per cent of his global ... more