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He pointed out that the services are designed to improve management of cash flow not push UK consumers further into debt.

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Dont leave your checkbook in your bag for convenience. Cutting energy waste is first and foremost a data challenge.

If you expect your company to be successful and you dont like the idea of sharing control with other investors debt is obviously the best way to go. But although they take much of the guesswork out of investing you still need to give yours an annual checkup McHugh says.