We're all up against it with increasing mortgages, increasing food prices, rapidly rising petrol costs, soaring increases in house, car and pet insurance ...
and the list goes on...
Added to this are more and more companies laying people off and unemployment therefore rising rapidly.
It just makes you want to retreat into your shell doesn't it? Well that is exactly what you shouldn't do.
If you retreat into your shell you will be battered by this financial storm and you will be the one who loses out.
99% of people will do just that.
They'll think they are 'riding it out', but in fact what they are doing is taking the rap.
President Bush said "This sucker will go down" - if you bury your head in the sand my friend you will be the sucker going down.
Yes, doing nothing is not an option here.
If you do nothing you will be the one bailing out the companies whose profits get hit, you will be the one who will end up screwed to the floor by increasing taxes to pay for the financial mess.
Doing nothing is not an option.
You need to come out fighting my friend.
Let me tell you something, there are great ways to make money out there right now.
Thousands are seeking the opportunities that the credit crunch creates.
It is these people who'll be sipping the champagne and hoping things get worse.
They are certainly not burying their heads in the sand.
They're out there fighting for their slice of the action.
That is what you should do too.
Don't take the hit - take control.
Let me tell you about one opportunity that you should consider.
Life coaching.
Yes, seriously.
In times like this it's those who seek to better themselves that will get on.
Life coaching helps people maximise their opportunities - and that is exactly what is needed.
Life coaching has in the last year or so gone mainstream.
It is now seen by the everyday man and woman on the street as a real benefit - in some cases an absolute necessity.
So, as people realise sticking their head in the sand is simply not an option, more and more people will be trying to better themselves.
More and more people will be trying to climb over others to get up the greasy pole of life before the fire beneath burns their assets.
Why don't you become the person to give them a leg up by helping them realise their full potential through life coaching.
At the same time you can save your position and in the process feather your bed too.
Life coaching is just one of many ideas - the one thing you should not do is sit still and take the rap - do not be, as President Bush says, the sucker who goes down!