How to beat the credit crunch in style: ask the Frugalistas

Every evening, after slipping out of her smart office attire and swopping high heels for wellies, Gemma Boyland goes out into her garden to wage war on the slugs attacking her carrots and tomatoes.

There was a time when she cared little for such down-to-earth pursuits, but that was before the credit crunch struck and she was forced to rethink her finances.

“Everywhere I look people are tightening their belts,” says the 25-year-old PR executive from Bristol…

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