How bad is the credit crunch really affecting people?
 

I am just curious to know how bad things really are back home. Whenever I read the British papers it is very much doom and gloom. It seems that a lot of people have been affected with the credit crunch. I live in Canada and in my life I have become much more money conscious, my grocery bill being the most affected. It always surprises me though that my friends and family in England will say how awful it is but in the next sentence tell me of their holiday they have booked to Portugal for example.
Just interested in people's opinions on this.

Re: How bad is the credit crunch really affecting people?
 

the only way the credit crunch has affected me is.....i cant find a damn job :(

Re: How bad is the credit crunch really affecting people?
 

It all depends on your circumstances and where you derive your income from. If you rely on bank interest for your living then you are not in a good position since the banking fairy seems to have spirited all the money away. I see many companies going under and wonder if this really is a result of recent events or have these failures been on the cards for a few years after existing on borrowed money. If you have some money in your pocket, there are some serious bargains to be had.

There are many questions to be asked regarding where all that money has gone and if it doesn't involve some serious corruption then I'll eat hay with a donkey but we will probably never know.

"You can't fool all the people all the time", I think you can - so prove me wrong.

You know all those £billions of missing money - I think I know where they are but please don't tell anyone - contact Mr. Howdoo Owarty (son of a former Nigerian banker) who has some enormous sums of money to give away to anyone daft enough to supply him with their bank details.

Re: How bad is the credit crunch really affecting people?
 

Ditto, its been 4 months now. I've never been out of work this long! Its really getting me down now!:(

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I haven't had a holiday away for over 2 years, but I haven't been fit enough to go. (retirement is one long holiday:rolleyes:)
The interest on savings used to finance one trip abroad per year, but not now, so I have been spending my nest egg on new appliances, and will be making that 'dream trip' when I get better. There is no point in saving anymore.

Re: How bad is the credit crunch really affecting people?
 

When people talk about struggling are things really that bad? I know people looking for work are having a hard time but how many people are going without? Personally I don't think things are as dire as they are made out. Lets be honest how many are going hungry, have had to give up their cars, internet and such like? You live according to your means

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Yes things really are that bad!!

I've already given up my home phone, virgin tv, going out, i havent had credit on my mobile for 3 months. I have kept my internet for job searching purposes.

When it gets to the point that you have to go begging to your parents so you can afford to buy your child a pack of nappies i dont think it can get any worse.

I'm permanantly in tears because i cant pay my debts, im going stir crazy not working, i've had to take my son out of nursery because i cant afford it anymore, his birthday is coming up and i'm getting stressed and worried because i'm not going to be able to afford to buy him anything.

If I dont get a job soon its only going to get worse and worse and I just cant see a way out of it. Theres no help or support and the job centre are useless!!

Re: How bad is the credit crunch really affecting people?
 

Wow Lolly I feel terrible for you. I assume that you get some sort of financial aid. It is not that I am naive it is I left England 21yrs ago and don't know what assistance people get who genuinley need it.Judging by some of the responses it seems depending on your financial status as well as what line of work you are in dictates to how this crisis affects you.

Re: How bad is the credit crunch really affecting people?
 

I think I remember you saying you worked in a pub, it's a terrible time for pubs isn't it? What happened? Did it close? :(

I really feel for you and hope you get something soon......if you're still after pub work try the new wine bar that's opening soon in Ossy.

We're hard up at the minute too as my husband is off work sick following an operation. He will have been off for 12 weeks and money is tighter now than it was before.

We buy more own brand products than we used to, hardly ever go out and will be staying in a friend's caravan for a week in July........it's that or nothing.

Try and keep your chin up though, things will improve....that's what I tell myself. :)

Re: How bad is the credit crunch really affecting people?
 

Really sorry to hear that.:(

You mentioned you'd applied for the job at the new wine bar, and I'd hoped you'd get it.

If I was looking to employ an honest hard worker, who knew tons of people in the area, who had experience in that line of work, and who had a very friendly but professional attitude, I wouldn't have to think twice about offering you the job.

Good luck in your search, and to you Flashy.

Their loss will be someone elses gain.

The most notable difference for me is that my gas bill is enormous. I've just phoned to check my gas consumption hadn't risen extraordinarily, and it hasn't. I think I'll have to plan to do what I did last year, and go and stay with my friends for a month in the winter sun, and leave the boiler turned off.

I'm lucky in many ways, especially compared to others seeking work, or like another Accy Web friend, who last week told me his income has fallen by a third, as his company have put everyone on short time for the foreseeable future.

Re: How bad is the credit crunch really affecting people?
 

I get £60.50 a week income support.

Lilly I phoned the wine bar but didnt speak to the manager and was just told to leave my number and they would get back to me, they never did. I phoned over and over again to get to speak to the manager but never got to speak to him. Its their loss they wouldnt get a better bar maid :) and certainly not one who has more qualifications for working in a pub. I did numerous courses when I worked for Thwaites including customer service and cellar management. The nearest bar jobs on job centre website are Bolton! Thats how bad it is round here. I've applied for admin jobs as well as I have an ECDL and working knowledge of Sage Accounts programme, but not getting anywhere. I'll keep plugging away though, it is very disheartening though as ive been out of work for 4 months after being made redundant I couldnt tell you how many jobs i've applied for, well over 100 though. Agencies are rubbish as well.

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Sorry to read this Lolly, I hope you don't think I was trying to patronise you I really didn't realise how much you were struggling. I know you have always worked, didn't you have two jobs at one time?
Are you sure that they are paying you all you are entitled to. The amount you are getting doesn't seem right to me.

Hope you find a job soon

Re: How bad is the credit crunch really affecting people?
 

It's bad enough to have reduced my nephew to suicide last week.:eek:
How much more dire do you want?
The funeral was today by the way and I would like to say a big thank you to the many, many people who turned up to say goodbye to John.

Re: How bad is the credit crunch really affecting people?
 

I'm really sorry to hear that. :(

It's so sad to hear of people getting so down that they can't see another way out.

Re: How bad is the credit crunch really affecting people?
 

Thanks Lilly, it's been tough enough without the Observer making a meal of it too.
John was a proud lad and should have asked for help but didn't.
A lesson learned for all of us that knew him and one for others to heed too, even if things look ok on the surface it's not always the case.

Re: How bad is the credit crunch really affecting people?
 

It is bad if you have been working and suddenly get hours reduced or loose your job for whatever reasons... even if that job was not well paid it is really hard to adapt....more so these days at a time when prices for everything have increased.

Re: How bad is the credit crunch really affecting people?
 

Jeez certainly doesn't get any worse than that. So very sorry for all his family and friends

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the thing is quite simply, everyones circumstances are different, the newly weds,the single parents etc, must be really struggling wether they are fortunate enough to be in work or not, its a damn site easier fer most folk my age to cut our cloth, have no big mortgage to worry about, not much to save up for etc, ok heating is very expensive n ya need it more as ya get older, but thats about it really. i saw first hand how families struggled back in the 80s as i was involved with helping the miners families, n know how soul destroying these circumstances are. too many do not realise that.

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In the bad old days we didn't have phones (of any sort). Fridges were a luxury.
Almost all the food you ate was prepared and cooked at home - no takeaways other than the chippy
We had lino on the floor and rag rugs that gran made out of fabric scraps.
We didn't feel hard done to because -
...what you haven't had you don't miss
That is why many are feeling the crunch now - what they had, they now miss.
It is a sad fact that this financial mess up has set back our standard of living by 40 years.

Re: How bad is the credit crunch really affecting people?
 

this is only the tip of the iceberg.ive been saying for years you cant run a solid economy on plastic money...

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LOL...you had Lino?... you lived in luxury..we were so poor we had boil up our lino and rag carpets for dinner!

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I didn't know you were a Yorkshireman:D
Seriously though - coffee was a sunday morning only luxury, and chicken maybe at Christmas. Boiled old hens and rabbits are edible believe me:)

Re: How bad is the credit crunch really affecting people?
 

i wouldn't call that crappy "Camp" coffee a luxury,more of a punishment.:D

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Just can't understand this at all .. you are only a year older than me, and I was fed extremely well, always fruit in the bowl, roast at weekends, home made cakes/biscuits/pies, broths/stews, plenty salad/vegetables. Lovely fruit pies/home made lemonade/jams/bottled fruit etc., and we were not well off ?
Didn't drink coffee then, but was available, and not instant either. Drank mainly water to be honest, but only from choice.

Don't remember any of my friends being without either. ?

School dinners were good too. Did you not stay for school dinners at the Accy High School ? They were good at primary where I went as well Peel Park.

Re: How bad is the credit crunch really affecting people?
 

yeh n i'm younger katex, your family musta been a damn site better off than mine.

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I agree we were well fed after rationing ended, but the point I am making is that it was home made from basic ingredients, some home grown.
In the last few decades people have lost the art of eating well cheaply and over rely on readymade meals and takeaways.
Even juice in a carton saves you the trouble of squeezing the fruit and it all costs more

Re: How bad is the credit crunch really affecting people?
 

Neither can I and I am 5 years older. Steak was 2/6 a pound stewing beef 2/0 a pound. for our younger members we are talking 12.5 p for steak and 10p for stewing steak. That was in 1954 and I can go back further than that.
Chip shop yes but any other outlet no, apart from spud pie on our way home from a night out in Accy.
My mum made pastries, jams, butter and many other tit bits.
A rabbit now and again....trotters, tripe, cow heel made into a stew.
Luckily I and almost all of my mates at that time did'nt either...and that was in Church.

Re: How bad is the credit crunch really affecting people?
 

A whole generation has never been taught how to eat well cheaply
Some are feeling deprived now they are having to find out

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I do not believe that the majority of families these days live on takeaways and ready made meals....and certainly not if on benefits.... the economics just do not add up....I would not say it is harder now than say 40yrs ago but I can imagine it's hard to tell your kids you can't afford the same things their mates have.. the old saying "what you never had you don't miss " is not reality.

Re: How bad is the credit crunch really affecting people?
 

I don't know Cashy, you were brought up a bit further down from me, weren't you ?

My parents worked in the mills like everyone else, and only one wage when my Gran died (she lived with us, and mum gave up work to be there), but still I saw no lowering of standards. Can understand though, that there must have been some very large families around, and must have been difficult for them; but plenty of work to be had in those days, and endorse what Margaret said re. we expect more these days too.

Like Margaret said also, everything was home made (used to long for a confectionery cake) don't particularly remember rationing either (talked about this on Sat. didn't we). Only reason I thought we weren't as well-off as some of my friends is that I didn't have a record player like my mate ... :D

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My kids have been told straight....I cant afford it...and they have accepted that and that is now passed on to my grandchildren and they accept it.

Re: How bad is the credit crunch really affecting people?
 

Mancie -It depends how you define convenience food
For example - that batter mix you bought on Pancake day was just egg, milk and flour - how come you didn't have those in your kitchen already?

Re: How bad is the credit crunch really affecting people?
 

perfectly true, aint their fault though if not taught. n dont ferget kate, plenty of men were never out of the pub or the bookies, so the wife went short, differant generation, differant ways, it must be great fer all those whose dads kept the mam ok, you really have no idea.:rolleyes:

Re: How bad is the credit crunch really affecting people?
 

Suppose you right Royboy ... I never nagged for material things too much.

I have given my kids everything I could afford and they desired in life, and probably my own worst enemy as they would nag a little for more, 'til I sometimes gave in. :( However, they have made their own way in life now, and work extremely hard for their money.

Re: How bad is the credit crunch really affecting people?
 

agree thats how mine were brought up, but many have not been roy.

Re: How bad is the credit crunch really affecting people?
 

It cost 13p!...I did have those items... but I don't think having basic foodstuffs in your kitchen is as relevant to this reccession or even the ones suffered in the 80's... it was harder in "the old days" but at that time there was no choice..no pancake mix for 13p!.. but your nieghbours and friends were all in the same boat, as long as your kids were decently dressed and fed then that was all that mattered...that is not the same these days.

Re: How bad is the credit crunch really affecting people?
 

It was easy enough to do without what people have today 40 or 50 years ago, most of it didn't exist :D

Re: How bad is the credit crunch really affecting people?
 

I suppose that's what I was saying in around about way! :)

Re: How bad is the credit crunch really affecting people?
 

It's hard in Tenerife too. No jobs to be found and a lot of the English are making plans to go back home. I've no idea what they are planning to do there though as their houses won't sell here. I just get angry as they are leaving their dogs behind.

As for us, it isn't as easy as it once was. Our income has been cut by a third because of the exchange rate and it's a bit of a struggle. We have just cut out most of the pleasures in life such as meals out and stuff but I'm sure we'll survive.

It's one long worry to pay the bills and another worry is my daughter in Cornwall who is also struggling to bring up three children alone after her husband left..............I wish I could help everyone.

I did spash out on a Lottery ticket today!

Re: How bad is the credit crunch really affecting people?
 

We didn't have pasta sauces in jars because we didn't have pasta, but now we have developed a taste for it is it cheaper to make your own sauce and even better to make your own pasta.
Convenience food in jars and packets is the option for busy working people, but if you now aren't working this is the time to learn

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I think the country has been hit with a massive bump as have most countries in Europe.
This is not the eighties, this is now.
What you have got now try to keep hold of.
Lets hope our lords and masters come up with a solution...they created it by not regulating the 'Cash Cow' that is the banking system.

Re: How bad is the credit crunch really affecting people?
 

Don't think they need bother, Blazeys got it sorted.:rolleyes:

Re: How bad is the credit crunch really affecting people?
 

Yes the "cash cow" and the unrestricted need for flash boys to make a quick quid started all this .... but as has been posted earlier to find yourself on an income of £60.50 to feed and clothe your kids...it's not likely they are living on homemade fruit pies and roast beef!

Re: How bad is the credit crunch really affecting people?
 

Roast beef was never mentioned....was it?

Re: How bad is the credit crunch really affecting people?
 

The £60.50 is the income support rate for an adult, Mancie

Money for children is now paid by tax credits when you are on IS, and there is Child Benefit. :)

Re: How bad is the credit crunch really affecting people?
 

I am so sorry to hear off your loss. I had read about your nephew through the Accrington Observer online and thought how sad, it is hard to imagine as a family how you must all be feeling.
Just sad to think that he must have felt that they were no other options available to him.

Re: How bad is the credit crunch really affecting people?
 

Kate did mention it.
When people think of roast beef they think of topside -expensive
We roasted brisket - much cheaper
How many young folk have ever eaten brisket?
even if they even knew what it is:rolleyes:

Re: How bad is the credit crunch really affecting people?
 

i still buy brisket occasionally, prefer it actually to topside.:)

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I'll refer to the decently dressed bit.
When I was 5, I was certainly a trend setter.Mrs Highams(Of Highams Mills) used to leave remnants of cloth at my grans house were I lived with 6 others.
Gran was a weaver at the mill.
Have you any idea how embarrassed I was going to school in striped shorts made from bed sheeting.:o:o:o:o

Re: How bad is the credit crunch really affecting people?
 

LOL... had the same... my mum used to go down the Army and Navy store for Ex-War stuff on the cheap... I got a right slagging going to school in a Japanese soldiers uniform.:D

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Lol, you nutters. :D

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I used to make all my own clothes.
My son wore romper suits made from striped shirt poplin remnants and matinee coats made from unravelled and re-knitted cardigans.
Lost skills need to be taught to folk to help them through hard times.
...and what a waste spending scarce dole money on packets of nappies:eek:
I worked full time when he was 1yr old and still found time to boil terry nappies

Re: How bad is the credit crunch really affecting people?
 

Aye.. you don't know yer born... we lived in a greenhouse with no windows.... If we were lucky our Dad would give us a good hiding fer supper!

Re: How bad is the credit crunch really affecting people?
 

now that is a thing that does bug me, my two never wore a disposible nappy, i cannot fathom the reason why good brass is wasted on em, :confused: n we had no washing machine until after me daughter was born she was the second.

Re: How bad is the credit crunch really affecting people?
 

It was a true story:(

Re: How bad is the credit crunch really affecting people?
 

Well Benipete... nowt to be ashamed of.... at least it made you stand out as an induvidual.:D

Re: How bad is the credit crunch really affecting people?
 

Clothing was rationed - there was a time when make do and mend was the only way

Re: How bad is the credit crunch really affecting people?
 

I still make do and mend, always have, lol. Trouble with Benipete is I never know when he's serious, and the image of him I've got in my head with the stripy shorts......:D:D Trouble is I'm seeing him as he is now.. :D

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thats his secret Caz, always was, ya never know.:D

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Its a pity that Gary isnt on here tonight - he would find a pic of a designer suit which resembles 'pinstriped' bed ticking - good hard wearing stuff it was too

Re: How bad is the credit crunch really affecting people?
 

Well I had 4 in the 70s, didn't even know what a disposable looked like.

Had 2 in 89 and had the terries, but did invest in a few packs of disposables occasionally, lot of flippin nappies with 2 especially with 4 teenagers to sort as well.

Didn't have my first washer till after my second cashy, and that was an old servis with the mangle on.

Got my first fridge after the fourth one came along.

Remember getting my first automatic washer, can't remember when, but I sat in front of it watching the first time I used it coz it was so brilliant.

:D

Re: How bad is the credit crunch really affecting people?
 

eBay.com.sg: RED CANDY STRIPE SUIT SET - MUST SEE!!! (item 190255498353 end time Mar 28, 2009 02:19:01 SGT) best i can do margaret.

Re: How bad is the credit crunch really affecting people?
 

It is time to let people know that it is very possible to enjoy life without-
a fridge, a washing machine, a mobile phone, an Ipod., a Weeeee and all that :D
I was gonna say 'we oldies have been there done that and got the Tshirt'
but that Tshirt was homemade:D

PS well done Cashy - good googling :D
for those that dont know what bedticking was - it was stiff fabric made into bags which housed the cotton flocks which you slept on
spring interiors were luxuries

Re: How bad is the credit crunch really affecting people?
 

...and it was nice to see on Saturday that the Pixie Hood is still in fine fettle.:D

http://www.theretroknittingcompany.c...tway-2853a.gif

I know someone who was so poor in the Fifties they had to wear sixty year Victorian knee high boots, which had to be fastened with a boot hook...luckily it wasn't a boy that was forced to wear them.:D

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Pom- poms:eek: what waste :D
I remember knitting tea cosies

Re: How bad is the credit crunch really affecting people?
 

My thoughts go out to you and the family
John was in the same class as my son at the hollins he and lots of others that knew john from school attended today,

Re: How bad is the credit crunch really affecting people?
 

I flaming hope not:pain30:

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I have to disagree with Mancie.

All the gathered evidence supports the claim that the poorest sections of society spend by far the greatest pecentage of their income on food, but it is food with the least nutritional value.

House of Commons - Environment, Food and Rural Affairs - Ninth Report

Not passing judgement, just making an observation, and it is a generalisation.

Might be because children are being taught the wrong subjects in Food Technology lessons, when really the best lesson they could be taught would be to shown how to cook cheaply and nutritionally, starting from scratch with fresh ingredients.

Re: How bad is the credit crunch really affecting people?
 

I too am sorry to hear about your nephew Lindasay.

A very sad waste.

:(

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All my kids can cook bar from my 18 yr old and thats due to lazyness. But on the other hand he wouldnt go hungry either. (prob get his sis to cook something)
Seriously though I have taught all mine to cook , My daughter (17) can cook a full sunday lunch, Yes she still needs to be guided with the odd cooking time but if I or hubby wasnt here she would do it without doubt.
My eldest lad loves cooking and is always doing so for him and his wife. My other lad can cook and can cook properly but chooses not to which makes me angry because it would save him a fortune.
Kids dont have cooking lessons at school now like we did,
We had cookery evey tues afternoon and we were taught everything from the basics upwards but most teachers cant cook these days so what chance do the kids have.

Re: How bad is the credit crunch really affecting people?
 

Don't you think that it is because it is cheaper to buy conveniance foods than to buy fresh wholesome products.

Re: How bad is the credit crunch really affecting people?
 

Lindsey Im so sorry to hear abut your nephew too , I understand how you feel because a similar thing happend to my cousin a few years back .
It is such a shock when something like this happens.

Re: How bad is the credit crunch really affecting people?
 

No it isn't cheaper

Re: How bad is the credit crunch really affecting people?
 

Swings and round abouts.

You can cook things from fresh just as cheaply as buying convienience food, it's been proved many times, but a lot of people don't know how to, or say they haven't the time, which is a bit laughable, especially if you're not working.

I was always dahn the market when I lived in London, and used to feed myself for next to nowt, especially if like me you go when they are packing up.

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When Mancie paid 13p for battermix I doubt whether he got more than 2 or 3 pancakes out of it.
For the same price spent on egg milk and flour he could have doubled the number he made and it wouldn't have been 'bulked up' with preservatives

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You're right.

That 99p 'bargain' Shepherd's pie is a loss leader, and if you're sucked in to buying only convenience food at that store, you're ultimately going to be paying over the odds, for nutritionally poor food.

Re: How bad is the credit crunch really affecting people?
 

Also though the initial outlay may be higher, buying basic food ingredients in bulk is much cheaper in the long run.

You don't find many convenience foods in good restaurant kitchens either.

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Many 'meat' ready meals are made from 'reconstituted beef' which is the scrapings off the bones, the sinews, and offal with added beef flavouring YUK

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I think Cook in Sauces are the biggest rip off going, second only to tinned and packet soups

Re: How bad is the credit crunch really affecting people?
 

I could whip up a tasty sauce from scratch, quicker than someone could open the jar and heat it in a pan.

Sadly I can't safely cook some things anymore.

I'd still be as quick, but the sauce I made might be shaken over all four walls.:D

Re: How bad is the credit crunch really affecting people?
 

Hang on have I missed something? I know as well as enyone how to feed peolpe good food with good ingredients...I was pointing out that you can buy some things cheaply and it's is what most people with limited incomes will do... it's no good preaching about buying the best most expensive food to people who simply will not buy it.. i'm not talking about pancakes....and maybe the statement that you won't find convenience foods in good restaurant kitchens sums the difference up.... Lolly gets £60.50 a week...how many good restaurants do you reckon she visits?.. or indeed anyone else in that position?

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It is the convenience food in packets jars and ready meals which costs more, because you have paid for a factory to do the work of making it, and they use some cheap nasties to try to make it look more economic for you to eat it.

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I know where I'd rather spend a limited amount of money, and I have, to ensure my dosh went further, and to also end up with tastier and more nutritious food...and it wouldn't be in shop with a freezer full of ready meals.

There's nothing wrong with convienience food per se, as a standyby, or a 'treat', but if that's all you ate, in the long run you'd be poorer in the pocket, and in poorer health.

Re: How bad is the credit crunch really affecting people?
 

Of course..and I don't believe that many families do live on convienience food because it does not work out to be affordable.. the reminicing about having to go to the chippy for a meal just does not add up... fish and chips round my way are at least £5.50 to take away.. kebabs etc over a fiver for one.. now I'm not having the outlook that peolple can feed a family on that sort of expense.. some poeple really are out of touch with the reality of 2009... but then again if you were born in 1909 then I can see how it must be hard to keep in sync. :rolleyes:

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Did my usual mince combination today,Mince and onion,Cottage pie and Spag. Boll.

Cost in total £3-00 but will last at least 3 days.
I nicked the onions and potatoes and carrots but due to restrictions in my rental agreement I can not raise and process my own cattle.:banlama:

Sorry nearest I could find:D

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Got to agree with that Rindi, this was a few years ago though, when I lived in Hassy there was this family lived near me which consisted of 2 adults and 4 children, every night of the week the two eldest kids could be seen in the local Chinese take away buying the tea for the family, Saturdays too, they were a bit stuck on Sundays as this shop was shut at teatime, so they had to catch the bus into Town:rolleyes:

Re: How bad is the credit crunch really affecting people?
 

When I was in England a year ago I was shocked at the focus on conveniance foods and ready meals. I even commented to my sister at the time does nobody cook anymore. Everything is very expensive to me in England so I assumed people buy them because they are cheap. Let's be honest they sell a lot of them so someone is buying them.
I did get to see Jamie's ministry of food and was shocked at how many of them didn't even know basic cooking skills.

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Times are tough ... last year, I had to shoot my Christmas dinner ... and for supper tonight, a fish that I had to catch myself after digging a hole in the ice ... if I hadn't had a bottle of Fireball to keep me company, I don't know how I would have managed .... checked my freezer, and I'm running low on moose and bambi burgers:eek: Better check on my stock of ammo, I think I'm running low on the 30.06:uzi:

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I got a job!!! :D

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Well done Lolly. I am Sooooo pleased for you. I hope it it the start of something good for you and your son. Great news!

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Oh Lolly so pleased for you, well done girl:)

Re: How bad is the credit crunch really affecting people?
 

Great news, Lolly. I'm pleased for you. :mosher:

Re: How bad is the credit crunch really affecting people?
 

well done Lolly, ya deserve it.:)

Re: How bad is the credit crunch really affecting people?
 

Congrats I bet you are chuffed. What did you get?

Re: How bad is the credit crunch really affecting people?
 

That's great news.:)

Hope it all goes well for you x

Re: How bad is the credit crunch really affecting people?
 

That's great news for you Lolly, especially in today's climate:mosher:

Re: How bad is the credit crunch really affecting people?
 

Its with Willowbrook Home Care, as a carer. I'm getting some experience and my NVQ before I go on to do my Social Work degree to train to become a Social Worker. :D

Re: How bad is the credit crunch really affecting people?
 

Im extremely off about the impact of the 'credit crunch' <er...recession)
Mainly because I dont have loans, credit card debts or an unpayable mortgage
like the greedy people who are afflicted by affluenza and WANT IT ALL now!
Ive worked, <like a barstad> saved n paid for stuff, lived within my means and now?
Im supplementing recovery plans because I Dont get the 'benefit' of low interest on 'debt'...er..cos I haven't any...I just gain less on my saving.

Re: How bad is the credit crunch really affecting people?
 

There's only one thing I can say, if your avatar is your own photo Susie, you favour your Mother:D

Re: How bad is the credit crunch really affecting people?
 

Well done Lolly, it is hard to get work at the minute, I have people ringing every day. qualified people who are struggling to find work, this credit crunch has started to affect us now, and I ahve informed staff that we may be reduced to a 3 day week for hopefully a short time.