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Reaching my second gamble free pay means that I don’t have to worry about running out of money in January as I have managed to save a little.

It also means that I didn’t have to wait for my money coming into the bank in the morning to go buy staff presents at a ridiculously early hour – it took the whole stress out of Christmas.

Finally being gamble free has given my hope for the future – instead of planning survival I am planning trips and decorating. It has meant I could be generous to those less fortunate than me and I have smiled a lot more this Christmas spreading the joy .