What do you do when you have been made redundant, seen the value of your property plummet and watched your pension investments go up in smoke?
Most of us would complain about the effects of the current financial crisis but some are trying to see the brighter side of life.
Andrew Wilde has been affected by the credit crunch in everyway possible. His answer to dealing with what has happened to him? Go on holiday for a year and see if the world is still turning when he comes back.
Roll on 2009 - 2008 hasn't been the best year for me.
It's all been quite mad and the news of flat prices falling has just topped it off.
It started with the announcement that I was being made redundant in June. I work in manufacturing which has been hit pretty badly, especially with the rise in energy costs.
My company is closing one of its three plants and 120 of us are being made redundant at the end of this year.
At the time, I thought I could either look for a new job or just go on holiday with my redundancy pay. It didn't take me long to choose the latter.
I'm going to Australia for a year on a working-tourist visa, not that I plan on doing much work. I have friends and family out there so I thought why not?
Since then things with the credit crisis have gone from bad to worse.
Over the past year, I managed to save quite a bit which I thought I'd put aside for a rainy day. Unfortunately I decided to deposit my savings in Icesave and Bradford and Bingley.
My money in Bradford and Bingley is safe but I'm still not sure what will happen to my money in Icesave.
During the past few weeks I've watched my FTSE 100 linked pension decrease in value by about 30%. I've also seen the value of my flat drop by roughly £35,000 since I bought it three years ago.
Instead of selling my flat I am going to rent it out. I know the rent won't cover my mortgage but I can't sell it so what else can I do?
Everything that has been happening has confirmed that going on holiday is the right thing to do and I'm now really looking forward to it.
I'm going to sit on a beach and learn to surf then come back and see if there is anything left.