By Catherine Burns
One day it's job losses, the next it's banks refusing to lend cash, and then even more grim headlines about the economy. For the last year, Newsbeat has been following some listeners with money worries to see how they can sort themselves out with debt counsellor Chris Tapp, from the charity Credit Action, giving his advice.
Chris Guy's home has dropped in price from £153,000 to £120,000
When Newsbeat first spoke to Chris Guy in January 2008, his main worry was what would happen when his fixed rate mortgage deal finished.
He was worried that he'd struggle to pay more if interest rates went up.
He spent months waiting anxiously to see what would happen.
At first, interest rates did climb higher. But as the credit crunch kicked in, the Bank of England tried to kick-start the economy but dropping them further and further.
So by the time Chris's original mortgage deal ran out, rates were low, so he's not having to pay as much each month.
He says: "Now my monthly payments have gone down by about £250. With the mortgages coming down, there's a bit more cash in my pocket."
That might sound like a happy ending. But as interest rates have come down, so have house prices. And they're still dropping.
Chris bought his place a couple of years ago for £153,000. But now the value of his house has fallen to about £120,000. So he owes more on his mortgage than the house is actually worth.
"I feel a bit gutted really. It's a bit of a shock to find I'm about £33,000 down on what I paid for it," he says.
Chris guy will need to stay in his house instead of selling it
Debt counsellor Chris Tapp says there's no easy solution to the problem of negative equity.
He says: "There's not a huge amount Chris can do, particularly in the current market. But, over the course of a number of years, house prices are likely to go back up."
"So actually in five or 10 years, he's still likely to make a tidy profit."
Experts say negative equity is only a problem if you need to sell or re-mortgage. Otherwise, you just need to sit it out.
So Chris will have to be patient for years.
"This situation is a bit of a nightmare. It's nice to know things will go back up and recover. But it's difficult, thinking I've got to stay in the same place for the next five or 10 years.
"I've just got to grin and bear it, and do the best I can," he says.