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Many households own a drill, a ladder, a lawnmower or a set of garden tools that is used only occasionally. Buying every item outright...

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A short power cut, a burst pipe or a broken card machine can bring a small shop to a halt within minutes. Owners who...

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An emergency fund is money set aside for surprises such as a medical bill, a broken phone, a sudden trip home, or a short...

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An emergency fund is money set aside for unexpected costs, such as a car repair, a sudden trip to see a relative in hospital,...

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