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options open to shoppers who are struggling for cash but remain desperate to store funds in a savings account.That is the viewpoint of Phil Perry – representative at Ark Financial Planning, an independent advisory firm * who has insisted it’s still possible for individuals with no huge amounts of funds available in their mind to plan ahead in relation to their monetary long term.Mr Perry explained that the most suitable products for people who have “absolutely no cost savings whatsoever” are “deposit-based” accounts, since these are often flexible regarding allowing customers quick.