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Financial expert Abigail Foster promotes using ‘spending buckets’ on payday—automating allocations to essentials, savings, wants and debt—plus closely monitoring tax codes to avoid overpaying or missing refunds.
She warns about scams, recommends Section 75 credit‑card use, and advocates debt‑repayment strategies like snowball or avalanche methods.
These UK‑specific techniques help people stay organised, avoid unexpected tax bills, and protect against fraud. 




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