Sincerely Media on Unsplash" />Budgeting on an iPad at a window.

If you live from one payday to the next, you’re not alone. In fact, according to the Debt Management experts at Intrum, 40% of people scrape by each month, desperately waiting for their next payday.

Of course, rises in energy bills and an ongoing cost of living crisis only make this harder, with 24% of people admitting that they have no savings at-all.

As we head into yet another tough financial year, Adrian Murphy, CEO at wealth management firm Murphy Wealth urges: “When things get a bit tight, people try to make their income fit their lifestyle, they’ll overspend and use........

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