Too bad if you hate going through your accounts, you can't give in yet, you need to get things straight as soon as possible. Some of you will decide to face up to your responsibilities and hot-foot it to your bak manager, others will reach breaking point, having had more than enough of a tiny salary that barely covers the basics and will demand a raise or look for a new job.
For others, things will change, it really is a time of transformation.
If you intend to change direction, or throw yourself lock, stock and barrel into something new, make the most of the present climate to study your options carefully.
If you're wringing your hands in despair after a bad move which lost you money, then don't worry, the situation will right itself soon.
Finally, if you travel regularly with work or if you take regular risks, you'll need to roll up your sleeves because there's plenty of work on the horizon... and some travel too!