The term “credit crunch” has been banded around now for around 12 months so I’ll spare you my thoughts on why it has happened. However, I’d like to share my thoughts on what effect the credit crunch has on businesses and what opportunities it provides.

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Here’s a simple rule for you. The less money you spend, the more you have left! If you spend lots of your time earning money, surely you want to do what you can to save money too. A great rule that you probably know, but do you use it?

Here are some tips to help you look after the money you do have to keep your costs as low as possible.

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