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It’s easy to go through life ignoring your finances. Money, bills and investments are topics that are often thrown in the too-hard basket, and we live with the mindset that if we pay the bills, our finances should be in order. But it’s not quite that simple, and as Melbourne resident Krystle* discovered, something as small as a late payment can come to haunt you years down the track. “I’ve always been a really organised person,” Krystle says. “The importance…