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In a world where everyone is after your money, it’s easy to pay out more than you need to. Here’s how to avoid getting ripped-off ever again!

These days, when everyone is trying to save money, the last thing you want is to get poor value for money, or to feel like you’ve just poured your life-savings down the drain.

So here, I’m going to show you how you can avoid ever getting ripped off again!

With so many different credit cards on the market, it can be a tad tricky to know which one to plump for. However, it’s really important that you choose the right credit card to suit your needs if you want to avoid paying interest when you don’t need to.

Many credit cards charge interest rates in the region of 16%. So if you’re going to be doing a lot of spending, the best way to avoid paying these high interest rates is by choosing a 0% on new purchases credit card, such as the M&S Credit Card. This card offers 15 months interest-free on all purchases, so you’ll have over a year to pay off your debt without worrying about paying interest. Just make sure you pay off your balance in full before that year comes to an end, otherwise you’ll start paying interest.

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