Tough times forever?

Have you got what it takes to get through this tough turbulant time? I know many wont but you just need to reduce your outgoings, yes this is the old cliche that you hear all the time but it really is the most effective. Stop paying that gym membership if you don't go and budget your week before hand to save that extra bit of cash.

Personally, I hate the term 'credit crunch'. Is this situation going to be in our childrens history books in years to come, just like reading about the wall street crash in America when you seen pictures of children playing with piles of money??

This is a nightmare, and we need to wake up sooner, rather than later.