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The much publicised Credit Crunch is a global problem, but how does it affect you? What do you think of all the job cuts? Will you have jobs to go to when you've finished your education? Are you worried? Let me know your views.

Take our quick quiz to see what type of saver you are!
1. It’s Friday night and your parents have given you your £30 weekly allowance. Do you:
- Spend it all, after all you will get another £30 next week – 0
- Spend half and save half for a rainy day – 2
- Save it to put toward that new digital camera you want so badly – 3
2. You’re winning lottery ticket bags you £200! Congratulations! Do you:
- Go on a crazy shopping spree! It’s all yours and you deserve something nice and expensive! - 1
- Buy only things you need to make your winnings last longer - 2
- Put it all in your savings account so it can earn some interest and grow your nest egg - 3
3. You’ve just opened your credit card bill and you’re minimum payment is overdue, do you:
- Cancel your night out with the mates so you can put your money towards paying your bill immediately – 2
- Call the credit card company to let them know your situation and agree a plan of action - 1
- Pay the bill immediately using your savings to avoid further penalties – 3
4. It’s the middle of the month and you take a look at your bank account. What do you see?
- Nothing, I spent all my allowance/ pay cheque in the first week - 0
- It’s ok but might not be able to afford some fun things I had planned – 2
- Thanks to me sticking to a weekly budget I have plenty left for the rest of the month - 3

How did you Score?
1-4
Spendthrift!
That’s right; any sign of money and you’ve already spent it before it hits your pockets! You need to start thinking about how to manage your income. Try sticking to a weekly budget, cutting down on luxuries or keeping a spending diary to monitor exactly what you spend every week, this way you will be able to cut out unnecessary spending and even save a little at the end of each month.
5-7
Sensible saver!
You are reasonably responsible with your money, putting some away when you need to, but also overspend sometimes. Keep an eye on your bank balance and weekly spending by switching to Internet banking. Internet banking will allow you to monitor you’re spending more frequently to prevent unnecessary overspending. Keep on track and you will be a super saver in no time!
8-12
Super Saver!
You are great with your money. You never spend more than you have. Your bank account and savings are looking very healthy and now is the time to explore how your money can start working for you! Why not see how you can make money from your savings by looking into high interest savings accounts such as an ISA (Individual Savings Account)? High interest savings accounts are a great way to grow your money safely and easily.