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I'm 47 and in £800 of debt because of the cost of socialising with friends. From a £17 glass of wine to a £300 birthday night out, it all adds up... but this is why I won't give up on our weekly meet ups

My heart sinks as I check my bank balance and see that I am nearly £800 overdrawn. Again. I rack my brain trying to think what I have spent the money on in the last month or so.

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