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Bank refunds: Expert offers advice on saving

People seeking out bank refunds may be interested in some expert advice about saving.

Justin Modray, owner of financial website, a website dedicated to helping people better understand and look after their money, has offered some top tips on how to better save money.

He suggested that people set up a direct debit into a savings account so that the temptation to spend money is removed.

"To work out how much you can afford to save, work out an approximate monthly budget and try to stick to it, if necessary trimming back on a few luxuries," he suggested.

However, Mr Modray also said that people who have debts are better off spending any spare income on this in order to avoid things such as credit card charges.

Recent research by Halifax found that residents in the area of Richmond Upon Thames have the highest average balance for the UK.

Charles Baker

Charles is a reputed financial analyst with almost decades of experience under his belt.

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