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    If something needs replacing in your house you will have to pay for it regardless of any extra VAT cost. Extra items you have a choice about whether to purchase or not.

    We will notice a difference as the VAT increase and subsequent rise in petrol prices are going to effect most things, but overall can't see many people cutting back. There does seem to be a "if I want it, I will have it" mentality out there.

    Its people on fix incomes without any way of increasing them that will be the hardest hit.

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