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One of the key techniques to managing your finances in these difficult times is to clearly identify your 'needs' versus your 'wants'. In a fascinating interview on BBC Radio, five times British archery champion Jackie Wilkinson explains how she tackled being skint herself. You can listen to the interview on BBC iPlayer - fast forward to 2hrs 8minutes 50 seconds. Jackie Wilkinson has been skint and has survived and her book 'Survival Guide For The Skint' has been welcomed as a money management book with a difference as it is jargon free, simple advice from someone who has been there....

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