Statistics from the Bank of England have shown a sharp jump in unsecured lending – which has now hit its highest point in five years. So are you starting to reel from the credit crunch and what can you do to get your finances under control? Tim Moss offers some tips and advice on how to manage your debts and ensure that you are paying the minimum amount of interest on your borrowings.

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How are you managing? Are you managing to beat the credit crunch? Share your tips and advice with other members. Click reply to have your say.