My attitude to the whole thing is that it isn't my fault and the there's bugger all I can do about it. So why worry? If I lose my job there's still a massive freelance market with a great demand for the unique skillset I possess. Admittedly it's not 7 miles down the road like my current job, but it's no biggie.

I have very little in the way of savings (everything32 I have is in conventional savings accounts in high street banks and building societies). I still have 4 years of my fixed term mortgage to go and my credit card debt is shrinking rapidly.