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  • A recent survey by HSBC* has shown 21% will be borrowing money to pay for presents, while others will be relying on their overdraft, payday loans, personal loans and borrowing from friends and family.Julian added: If you are a parent, then make sure you are making the most of all financial schemes and benefits you are entitled to, such as childcare vouchers, which can save a family up to ??1866**
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