As the credit crunch affects financial services worldwide, many are finding it increasingly difficult to manage their money. Spiraling costs of food, fuel and uncertainty in the housing market have led to hard times for consumers and lenders alike. First-time buyers are now finding it more difficult to get on the housing ladder, as the cost of mortgages has seen many priced out of getting their first properties, meaning many who are looking to get their foot on the first rung of the housing ladder face an uphill struggle.
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