Scoliosis: Life, Support & Friends

Well, my body is a bit like search engine optimisation, 2 steps forward and 1 step back, I have had the most harrowing of weeks, the credit crunch has really started to hound my doorstep, customers are still not paying invoices from July and then they hav started to abuse me, sending shitty emails and complaining that my work was not up to scratch - ummmm why didn't they say this at the time of invoice - oh yeah that's right, because there was nothing WRONG with my work, it is just common stalling tactics by stupid little people who run businesses but think they rule the world! My Pilates sessions finished early this month and I have not had any spare money to renew, I am now feeling pains which I am sure are due to me stopping the Pilates, but what am I supposed to do here, life is getting very low and all because some bloody idiot at a bank pressed the wrong button, lent money to someone who couldn't pay and we now have to pay the price, they get a pat on the back and sen...

Well, yes - I wanted to try the Alexander Technique but can't afford to do it. But the main effect the credit crunch has had on me so far is that more people are now having to live like I have done for years - welcome to my world. We are in more debt than the average third-world country and it takes very little to tip us over. I am hoping there will be less peer pressure on my teenage daughter if it means that fewer of her friends go on fancy holidays (or any holiday come to that), but so far no change there. I found myself in the interesting position of having a. HSBC bank employee apologise to me recently - she rang up "to find out how I was doing" (like they can't tell) and I got so upset when I heard where she was calling from that I didn't give her the chance to say more than how sorry she was for upsetting me! I explained that the last time someone had called from the bank they had browbeaten me into agreeing to take on yet another loan that I didn't w...

So, how does a credit crunch come about and why has this affected me? Well, a credit crunch is more often than not caused by a long period of careless and inappropriate (in other words the banks have borrowed more money than they can afford) lending which results in losses for lending institutions and investors in debt when the loans turn sour. A knock on effect of the credit crunch is the reduced availability of credit. The cost of accessing credit is increased and thus raising interest rates. This loss in credit available is making times hard for everyone around the globe, the changing of money from business to business or person to person is dramatically affected and even sound businesses are finding that cash flow is become harder and harder each month, their bank loans are slowing down and generally everyone is feeling like the World is going to stop spinning - it's not is it? The reason I am bringing this subject up on my Scoliosis blog is because a few months ago, paying for...