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Future concept for M&S - We all have personally important living costs. We need these services and pay for them. It is hard managing them and they can build up to worrying figures. If current touch points such as mail and calls are put off, negative coping strategies can cause stress. Physical Finance improves money management by providing a physical interface that encourages positive actions. Each cylinder can be assigned to a financially important aspect of your life, indicating relative size, timing and importance.