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    <title>SPENDING &amp; INVESTING THIS FESTIVE SEASON</title>
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    <description>Prudent personal finance guidance advising retention of quality and PSU stocks, portfolio rebalancing by shedding weak holdings, and avoiding new exposure to stressed sectors. It recommends prepayment of high interest debt to reduce principal and EMI burdens, avoiding new long term home loans while rates and real estate remain weak, preferring projects with near term possession. For festival purchases, opt for cash discounts over EMI schemes because apparent zero interest offers often hide costs.</description>
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