'Times is', indeed, 'hard'... and, even if we're not actually struggling to pay our bills, we can't help wondering what will happen to property prices and how we'll cope when that fixed rate mortgage ends this year...
If you're stretched to the limit and reaching the point where you're starting to miss payments, cast your eyes over 'What to do if you can't pay' on uk.msn.com - the article covers mortgages, rent, council tax, gas, water and electricity bills, credit cards and loan repayments. The general message is: communicate with the creditor, try to come to an arrangement and keep paying SOMETHING, even if you can't afford to pay the whole bill.
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