Despite the Credit Crunch having little direct impact on the majority of UK consumers, many people are struggling to cope with the rising cost-of-living that threatens to push them into serious debt.
According to research from Prudential, what consumers are most worried about is the increased cost of fuel, food and petrol, which is adding huge amounts to their weekly outgoings.
Consumer confidence is said to be at an all time low since records began, as the UK economy struggles to hold down inflation.