Well what a day i have had so far. I have applied for 5 jobs today which gives me a total of ten to date from crunch day.

I contacted my mortgage company and they have told me that there is no help for me and I must make the next payment or i will fall into arrears. Just what I expected to hear.

Gordon Brown may have his fancy speeches but the actual reality of the matter takes time and I have low expectations on if his latest move will help.

Even the 2% interest rate that was announced today will take forever to get to the customers of the ivory tower banks, who have dropped my mortgage payment by £28, hardly a big impact!