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'I welcome the freeze on fuel duty. It is much appreciated'

Alison Guthrie, 45, and her partner work part-time in the voluntary sector, earning about £28,000 a year between them.

They live in Glasgow and have four children at home aged four to 16. The couple receive £240 in child benefit 13 times a year, and £600 a month in tax credits.

Ms Guthrie said: "Overall, I thought it was a positive Budget, and the changes to the personal tax allowance will leave us with more money in our pockets.

"Freezing fuel duty is something we welcome. We can spend between £200 and £250 a month on petrol so any help with this is greatly appreciated.

"The cap on welfare spending is not something that worries me. When you are receiving tax credits it is a very complex calculation and there have been a lot of changes so you get used to them going up and down.

"At the end of the day all that money goes on household expenses, so it is just a case of tightening our belts rather than missing out on things we need.

"The changes to pensions is not something I would have thought about previously, but as I find myself getting older I pay more attention to it.

"We try and save, but it is little amounts - basically money for a rainy day. But extending the ISA allowance will encourage my children to save, and my daughter already has a junior ISA.

"The real financial issues that affect our family are the cost of living. Neither of us has had a pay rise in four years, while the cost of everything else has risen."

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