Here is an interesting picture.
Someone once said that the first law of holes is “If you are in one, stop digging”.
This is never so true as when the hole is a financial hole.
Christmas is indeed the season to be merry, but it is often followed by the season “when we are buried”
If you can’t afford it this Christmas don’t let Santa persuade you that you can!
This will help you to start the New Year with your back-hoe on firm ground!
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