Are you tired of hearing the phrase credit crunch? Lately it feels like we're being warned of financial doom and gloom arriving in our own back yard most days. And, whether it's house prices, or rising shopping bills, it really does feel like a bleak forecast.
Gordon Brown's been in the firing-line over the state of the nation's finances a fair bit over the past couple of months. Today, he insisted he's making the right long-term decisions to protect Britain. In particular he stressed the Government is taking steps to underpin the cooling housing market.
But, his confident words come on a day when a new report has revealed a record number of surveyors believe property prices are falling across the UK - and that confidence in the housing market is at its lowest ebb for 30 years.
Personally, after a few years of scrimping and saving to get a first foot on the property ladder my boyfriend and I finally had enough for a 5% deposit mortgage. Our starter pad was within reach at last... but a couple of months ago the building society in question pulled the product and demanded a minimum 10% deposit. They were followed by a string of other lenders and, unable to raise more funds at the drop of a hat, our dream went up in smoke. So, for those with similar mortgage headaches, or those people who may be threatened with losing their job thanks to the fallout from these crunch times... I think we can be forgiven for thinking that the light at the end of the tunnel seems a very long way away.
Laura, Afternoon Live producer