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[Bacon Butty Man]

As some of you are aware i am in the debt industry and am able to write loans off and reclaim penalty charges back, while we do advertise locally, most of our work is word of mouth, but we have not noticed any uprise in custom, now this is either due to the general public not being worried or got head in the sand. BIlls?? what bills!!

[Kevin Wood]

Head in the sand? Like the chancellor, you mean?

I'd say slightly affected, mainly due to confidence being hit. Companies in the industry in which I work were recruiting merrily 6 months ago. Most have stopped. Projects requiring major investment are going on hold within the industry (mobile telecomms) and focus is shifting to prolonging the life of investments that have already been made.

Personally, it hasn't affected me at all. Still working and getting paid, but not about to go and blow my savings on a Monaro.

Kevin

[Jimbob]

Here, earnings a little down, due to less overtime etc, nothing major.
However, my staff rate mortgage has come down by more than my loss of earnings....

But must say I am affected as the Bank I work for, is being taken over...

[Elite Pete]

I'm affected by it. I am/was self employed doing surveys for councils but due to many councils losing money, they have stopped non essential work. Luckily, I have no credit cards and the wife earns just enough to cover the household bills. One other down side is, there is an ever increasing amount of unemployed people and it seems to me that employers know this and have reduced the wages offered to new employee's or its the amount of immigrants willing to work for pennies. There are loads of jobs about for £6 hr, but nothing with a reasonable wage or maybe its me being unreasonable

[Marks DTM Calib]

Yep, had to move jobs and I am now working 50 miles away.

Trying to sell the house but nobody is buying at the moment.

No debts other than the mortgage (which is less then 35% of the house value)

[waspy]

Voted- affected me alot, because i was made redundent back in october. I don't have any loans at all & i bugdet my self to live on what i get. I do not intend to be using my reduncancy pay off to fund my living.

Maybe the arse in power should try this

[Elite Pete]

Just one other thing. I love Christmas and normally go OTT, but this year is going to be a bad one  

[waspy]

Just one other thing. I love Christmas and normally go OTT, but this year is going to be a bad one  

Yup, you're bang on there Pete. I feel the same

[dippydave]

Think i've mostly been affected by other people being affected.

Firstly by there being a general fedupness, lackofmoneyness and sometimes depression among friends and customers alike.

There does seem to be a view among the over 35s that we've got a recession (aka Credit Crunch for the marketers!) on the way, been there, lived through it, no worries but tighten the belts. But in the under 35s there's almost no experience of working through a recession and in the under 20s no experience of living through one!

I've heard 'can't do that-i've no money' so many times recently that it's sad. We've been spoiled for years so budgeting doesnt factor in most peoples lives. i'm lucky my dad showed me the motley fool way when i was 21 so it's not been easy but being self employed keeps my head above water. I know most brits just get on with life but heads are down. What happened to looking at the sunnier side?! 8-) Maybe after some hard times we'll be a happier lot.  :-/ Or not.

The number of folks going out to the pub and clubs has dropped lots which affects me most. It's hard to play to a half-full or less room! I think the stupid drinking culture we have has made people forget that going out is about socialising mostly, maybe some dancing, eating and drinking. Of which having a drink (alcoholic or not) is only a part. The thousands of sober nights i've had in a nightclub are testament to that! It is possible to have fun cheap nights out, but lots of folks would rather have nights in which is a big shame. The rate we're going, when people want to go out more there'll be no bloomin pubs left to meet up in!

I guess i've also been affected as the main company I work for hasn't given me a pay rise in $%£& years 'due to increasing costs and reduced profits' !!!

ah hard christmas ahead, it full speed with the freebies!

PS I love drinkin i do, i just wish people were better at it  

[Markie]

From a purely personal point of view its impacting us, in a positive manner.

No loss of earnings at work and bonuses going up. Industry as yet unaffected.

House prices in Scotland are now levelling out - ie not declining in value like England

Mortgage is also just about to go lower than it was on the intro rate we took out 3 years ago  

With a back ground in finance i kind of knew rocky times were ahead so we have saved hard for the last 18months just to be on the safe side, ie in case of a job loss, or huge mortgage hike..

[mantahatch]

Not affected YET, my job reasonably safe but wife works for a medium size builder as a secretary/PA. Her job is the most unstable at the moment and if she looses we will have a very merry xmas NOT.

Mike

[hp7166]

We seem to be ok at the moment. I work and my wife stays at home with the baby and we dont see a need for her to work at the mo. I work in a Manufacturing plant and there are lots of spending cut backs at the mo. I work in IT and i am the only one who does the job so as long as the place stays open then my job is safe

[VX1]

The company I work for is starting to feel the pinch so things are starting to tighten up a bit. We use relief drivers when drivers go on holiday and now we can't use them until further notice. On the downside all the full time drivers we have at all the branches 1 has to be laid off for the duration but they are still employed by us so when things start to pick we can get them back so hopefully it will be very short term. I know its not fair but but our hands are tied this is down to the two MD's, they don't like doing it but they have no choice due to the banks not realy lending at the mo even if they are the interest rate is to high so some layoff's are needed. Thankfully my boss is coming down tomorrow and hopefully he will be doing the honours.

Paul  

[cem_devecioglu]

Except my salary (which is fix as a tail)   my other payments from

other jobs start come late or no pay which forces me to use credit

cards more than usual..And I start to cut extras because theres no

meaning to be exhausted from nights work where theres no pay..

And some projects already been delayed or stopped.. :-/

[Bacon Butty Man]

Please remember, if you are in debt then with credit cards and loans, i may be able to help, all in complete confidence.
PM me if for info.