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Our inability to value the future, instead of focusing on the present, has got so bad that the Centre for Economics and Business Research claims 37 per cent of people don’t have any savings. According to Credit Action, the average level of consumer borrowing on credit cards, overdrafts and general consumer goods is more than ÂŁ3,000, with “282 people... declared insolvent or bankrupt every day... This is equivalent to one person every 5 minutes 7 seconds.” |
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