items, buying new cars, for example. one big shift we have started to see already, more people will be forced to take on debt. lots to pay for their monthly bills. we saw in the latest figures that came out from the bank of england, a big increase in the amount of money we are all putting onto credit cards in february. we would expect that to continue to increase as the year goes on. people feel that benchmark or people go through their savings and then have to resort to putting things on debt. barbara says we live on £8,000, a fuel bill increase of £700, how will we afford it? this gets to the heart of it. april is the cruellest month for your finances because as lauren mentions this is when so many of these bill increases come in, chief among them