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2009

• Many debts unaffected by base rate cut
• 1.5% base rate – an historic low
• Gas price cuts expected
• Personal debt about £1.5 trillion
• Interest rates `may fall as low as 0.5% this year`
• British reliance on gas for energy growing
• Small business seek cap on credit cards
• Changes to homeowners support scheme welcomed by AMI
• Inflation and price falls `may lead to higher disposable incomes`
• What can I do to avoid Christmas debt?
• Parents `affect spending habits`
• Mortgage lending `low in November`
• House price affordability `improved for FTBs`

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