Fewer people are purchasing luxury items as there is just not enough cash left in people’s accounts. Could it be that we spend more than we really should on personal treats such as the latest electronic gadget? Is it that we no longer understand the imp...

The credit crunch, there’s no getting away from it- it’s highlighted on the television, the radios, even schools are talking about it. And no matter where you go in the UK, you won’t hear the end of it. Let’s just face it; the credit crunch is her...