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Wouldn't you love a Christmas tree that looked like this? I know I would. The only problem is, is that the ornaments that I looked at were all for sale at £8 to £10 each! Now if you add 15 of these ornaments to a tree, not including the cost of the tree itself, that is at least £120 and you haven't even got a full tree! I need to spend £120 on Christmas presents and food, not on a Christmas tree that will still look bare! It is something to remember as we walk past the beauti

I was speaking to someone this week who is so generous with the money that they have. If they have it and you need it, they will give it...

You think you are committed and then an offer comes along and you actually consider it. Newsflash, you are not committed! You are just...