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We are looking forward to a new year full of austerity, as the government's consolidation package will come into effect in January. The state is practically saving little on its own operating costs, so the price of the austerity will be paid primarily by the country's residents. How can we put our finances in order so that we feel the negative effects of the measures as little as possible? We spoke with financial expert Kinga Baráth, a colleague of Pénzügy.sk.