Mr Cuppy hasn't worked for over 3 months. Nothing to do with the credit crunch but due to ill health. As he is self employed this means he has had no income at all. Luckily we have savings and I work. We don't have a mortgage and have never borrowed so have no debts.

He has, this last week finally received his lump sum from his personal pension, which he has taken while he's still able to enjoy retirement.

So he is now retired...partly, he can still do a certain amount of work, just nothing like the heavy and very hard work he has always done.