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January 2012

REGULARS 7 Welcome 17 Savings Watch The best deals on the market this month 18 Fight for Your Rights Got a financial problem? We take up the fight

COLUMNISTS 21 Editor’s letter What will 2012 bring? 37 George Pitcher Middle England takes heed of the culture of greed 39 Jeff Prestridge Let’s raise a glass to an investment with class 98 That’s Life with Esther Rantzen Why debit cards are nothing to be scared of UPFRONT8YourShout 12 Steal of the Month 14 Housing Market Round-Up SORTED! 28 Money Makeover 32 Your Finances Fixed COMPETITION 30 WIN a two-night break in Colwick scam

Hall Hotel, Nottinghamshire


Shake off the recessionary hangover and get your finances fighting fit and ready for the year ahead

22 The 2012 detox diet for personal finance

Whether you have unhealthy debt levels or want to plan for your retirement, take the time now to rethink your finances

40 Fighting the corner for the middle classes The UK’s squeezed middle is under attack and it’s high time the government sat up and took notice 45 Do comparison websites come at a price? Not many of us realise we’re paying about £650 million a year in commission for the privilege of ‘shopping around’


49 A five-minute guide to mortgage overpayments Could paying more save you money in the long run? 50 The cost of untying the knot Understanding the financial implications of divorce



Why breaking up doesn’t have to be costly