The media call it the "credit crunch", banks and building societies are reported to be struggling and suffering losses and the housing market seems to have hit a low. Money is certainly tight for most people at the moment and with the rising prices of almost everything around us pennies have to be watched. I even read a news article on the web recently where a dog shelter have reported a rise in the number of dogs being handed in because their owners can no longer afford to look after them.
Is the "credit crunch" affecting you and are you having to cut back on luxuries?
