2013 Should I spend or save this year?

If you have spare cash this year should you spend or save?
The first thing to think about is to eliminate or reduce any outstanding credit card bills with that spare cash.
If you want to save, a good interest rate would only be 2.5% in an instant access account. You need to commit to not touch your funds for a longer period to get a better savings rate, but you may struggle to beat inflation.
If you have the cash now would be a good time to bulk buy your comsumables taking advantage of any special offers that are available – watch the best before dates though!
You will have the dual comfort of saving money on the items you wanted and helping the economy.
What do you plan to buy?

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