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With both a Personal Savings Allowance and Isa used by many of us as a means of setting aside our hard-earned pounds - be it for a house deposit, home improvements or university fund - it's important to get to grips with the changes and the benefits sooner rather than later so that you can save for what you want.

I pray that one day you will recover your hard-earned money but until then nobody can predict what is in store.

My only regret is that all the hard-earned cash I donated that I thought was going to HRI departments I now wish I had given them to our local hospice.

So in my own humble opinion, they shouldn't be telling the ordinary man or woman how to spend their hard-earned cash.

NEATH bounced back from two straight defeats with a hard-earned 28-8 win over Llandovery at Church Bank.

"We have a winning track record in this complex arena, and want to put this hard-earned expertise to work for lenders, investors and developers who find themselves literally stuck," said Radow.

What would you do if you knew that following your own convictions could result in a barrage of bad press, possible loss of your hard-earned career, and even death threats?

As the mother of two autistic boys, Kathy Labosh draws upon her experience and hard-earned expertise to write The Child With Autism At Home: The Home-Life Guide which is a succinct compilation of 350 tips for parenting an autistic child in every area of the home environment including the attic, master bedroom, child's bedroom, "the corner", the family room, playroom, music room, kitchen, study, bathroom, broom closet, even the front and back doors.

SO, BEFORE YOU SPEND YOUR HARD-EARNED DOLLARS ON WHAT LOOKS LIKE AN ACU CONSIDER THIS ...

If this book's breadth and tone is any indication, the modern solution to this historic problem is to do neither task--to engage instead in a kind of "activist-lite" that allows all black people to advance without the black middle class forfeiting its hard-earned jobs and SUVs.

Mike Friday's England side had glorious day, beginning with a hard-earned 14-10 victory over Samoa the quarter-finals, extending into the 24-0 destruction of South Africa, and climaxing with victory in the ti match.

INVESTING PRIMER Here's what you need to know before you invest your hard-earned cash.

Come on, tell me it isn't bloody annoying having to pay for President Bush's war in Iraq (not to mention Karl Rove's salary) with your hard-earned money.

He identified AT & L's customers, or stakeholders, as the secretary of defense, Congress, and the taxpayers who "wisely invest their hard-earned money in their nation's common defense."

When Lena Home brought her show to Broadway in 1981, she surprised her audience by doing "Stormy Weather" twice: first, at the beginning of the show, in the sweetly forlorn way she'd sung it early in her career; and then, at the end, in a harsh, heart-ripping version that reflected all the wear and tear--and hard-earned wisdom--of decades.