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# MONEY ADVICE

All time
Poorer households turning to pre-pay heating - but that means they pay a 'poverty premium'
Open thread: What's your cleverest money saving tip?
Column: Getting financial advice is a good idea, but check the small print
David Quinn
Extract: The 5 emotional stages of debt
Liam Croke
Column: Should the Financial Services Ombudsman have more autonomy?
Ronan Coburn
Money advice: National Consumer Agency’s top five tips