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From time to time, we all get into difficulty managing our money. A boiler breaking, a car needing repair, a bigger heating bill than expected. These things can hit us hard and always seem to be poorly timed, particularly if money is already tight. We all have different methods of coping, and different ways of ensuring we keep on top of all the other bills and rent. Some people try to manage by taking the hit in one go; whereas others do the exact opposite, choosing to cut back less but over a longer period. Some will use savings and replenish these over time; others will try to cut back on their living expenses.