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Happy birthday - penblwydd hapus- @CUManchester from all of us at Credit Unions of Wales. #yourebetteroffwithus

Multi-level marketing schemes are seemingly everywhere - here are some things to be aware of if you're thinking of joining one:

A student who has been nicknamed the 'coupon kid' for his money-saving skills has shared 10 ways households can reduce their food bills - including the shelves to avoid at the supermarket. @DailyMirror #savvyshopper

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