How much do you think your spare time is worth?
The answer might help answer tricky questions, such as choosing whether to eat in or dine out, spend the day with family or stay late at work.
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Martha asks: Is buying coffee really going to ruin my retirement fund in the future? Or can I enjoy my lattes stress free?
By Ian Bright
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As the New Year arrives, so too do promises to save more, lose weight – and many other goals.
But making the promises is one thing and actually sticking to them is another.
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