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Martin explained: “These are the ‘if you can do it, you should do it’ options.
“For those on a low income, for example, you are on Universal Credit, there is the Government’s Help to Save system.
“Here, you can put up to £50 per month in over two years. What it does is pay you a bonus of 50 percent on the highest amount you’ve put in.
“If you’ve had the money in for a year, for example, and you’ve built up to £600, but then you have a problem where you need the cash, because the highest amount was £600 - 50 percent of that is £300. That’s the bonus you’ll get.
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