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Are you a spender or a saver?

Online security quiz

Who provides the services you use?

Set a time-frame (weekly, fortnightly, monthly). Estimate your income. Estimate all ‘incoming’ money, including wages from a job, pocket money, and cash gifts, such as birthday money. Estimate required expenses. These are bills you have to pay, such as taxes, mobile phone costs, transport costs, if you can, you should get into the habit of ‘paying yourself first’ which means including an amount to save. Estimate discretionary expenses.…