It is considered to be the worst day of the new year, when finances take a hit from festive spending and woes are compounded by the cost of living.
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https://www.heraldscotland.com/news/23252479.first-time-buyers-get-property-ladder-help-city-credit-union/
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Glasgow NewsJanuary 16, 20231 Mins read
Financial Woes Peak After Festive Spending Spree – Herald Scotland
Glasgow NewsJanuary 16, 20231 Mins read 
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