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What is your New Year's resolution for 2009?

As we move towards 2009 with more certainty and more debt than ever before many people are now looking at their finances in a very different light. A number of the UK population have seen their savings decimated by reduced income levels and the need to dip into what they had hoped would be their nest eggs in the future. We have seen more and more UK homeowners having to pay their mortgages from savings as the employment market comes under more pressure and wage rises become something of the past for many people.

There is no doubt that 2009 will be very testing for the UK economy and the UK population and many people will be in for a major shock when they review their finances in January. In general debts have never been higher and the housing market is falling faster than at any time in modern history. The main concern is the fact that the fall does not appear to have ended as yet and suggestions of a credit crunch part two in 2009 are starting to gather strength.

Strict financial planning and reduced spending seem to be the order of the day for the next 12 to 24 months amid hopes that 2009 can not be as bad as 2008!

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