Q. I took your advice and completed a budget plan last year. Sadly there were too many issues – my wife lost her job, one of our children wound up in hospital for 6 weeks and my own bonus was stopped. I did nt bother with the budget after that. But this year it seems to have gone haywire altogether. Can you give me any advice that might get us back on track ? Many thanks Jim – Moate, Co Westmeath

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