OMG! Where do we even begin to start to express the dissatisfaction with the way this new decade has progressed so far? The banks have monumentally cocked-up and the governments of this world are too frightened to pursue them for true redress - it's great isn't it!

So while we pay hand-over-fist for the annoyingly incompetent banks, our finances are now entering an era we may never have experienced before. In fact, it can be down right frightening to realise just how much our outgoings are rocketing every month, with the cost of petrol now out of hand and food prices soaring at record rates.

Desperate people look to take desperate measures and if the banks were lending as they should be, re-mortgaging would be far more rife than it is at the moment. To increase the revenue within the family budget, no stone is being left unturned, the savings rates are horrendous at the moment and are well below inflation rates and people are certainly investigating the best annuity rates around.

If only there was a way of sparing us from the grim months ahead, but there is not. The government are dealing with the debt far too aggressively and this is going to mean that the economy of the country is going to be hit far more severely than they are currently predicting. Alas, it is simply a matter of riding these times out and hoping that we emerge on the other side in a few years time in a better financial position than this. But then, that's hardly difficult really!