Credit Crunch: A Survivor’s Guide

The credit crunch has hit me hard. I haven’t lost my job (so far), but my income has decreased significantly (about 25%), the threat of redundancy has loomed over me for the whole of 2009 and is likely to be an issue again in 2010. During this time of difficulties I’ve had to tighten my belt, to cut costs, I’ve had to crunch my own credit, look at my needs and expenses and try to put together a back-up fund for emergencies.

It has been hard. The credit crunch was unexpected by most people, including me, and because there was no warning I found myself unprepared.

To give you some background, I have a full-time job (the joy!), I live in rented accommodation (which until recently I enjoyed alone). I enjoy good food, regular holidays, lots of tv channels, unrestricted broadband internet access, buying things when I want them, not having to save forever to get an iPod touch, and being in control of my money.

That is until I realised how precariously balanced I was on the financial divide. The divide between the haves and have-nots. Because of the credit-crisis it’s not so much of a divide any more, and there’s no border patrol stopping you going over to the other side now.

I plan to put together a series of articles aimed at making you look at your money and getting you to think about how you spend it. This isn’t a get rich quick scheme, it’s not a 12-step debt removal system, it’s just a common-sense way of looking at money and how you use it. The idea is to take in this information and use it to save yourself some money without having to go without too much.

Next time: Budgeting

Free Books

The main reason I got into reviewing in the first place was to get free books. It worked a treat! In the mid- to late-nineties I was getting about three books a week. Most I managed to read, but some are still on my bookshelves now.

I love books. And I love getting free books. I love getting books in the post, it’s like a mini-christmas every time one arrives. What could possibly be better? Ok, may be Lego!

In the past two weeks four books have arrived for me to review. Which is a shame because I’ve been having a rest from the power-reading I’ve been doing lately and I took a time-out to read Four Past Midnight By Stephen King (short review coming soon!).

I did enjoy my brief period of restful reading, I watched more TV than I have done in a while and I’ve even had time to get a little bored (which is the sign of an active mind according to some expert).

When I used to get free books in the old days it was mostly the big publishers who sent them. Always through a magazine of one form or another, I never approached the publishers directly. I wrote reviews for Black Tears Magazine, the British Science Fiction Association Newsletter, Comics International, and a load more I can’t even remember.

Now I’m the Reviews Editor for Morpheus Tales Magazine, and from the next issue we’ll be producing a Reviews Supplement, so plenty of space for me to share my opinions!

But now it seems to be the small-press publishers who send the books, Elastic Press, Swimming Kangaroo Books, Comet Press… If you get the chance check them out, they all offer stuff that puts the big guys to shame, inventive, well-written and imaginative. The small-press is the cutting edge of genre fiction.

So, the marathon that was the King collection is over and the power reading is back in action! Bring on the books!

First up, the Blood Red Sphere By Lawrence Barker.