As the global credit crunch takes hold, money is getting tighter, jobs scarcer and our debt that much more difficult to deal with. For many South Africans, the time has come to put aside the get-rich-quickly schemes and focus on keeping the wolf from the door. In Beat The Crunch!, experienced financial adviser and analyst Charl ten Oever outlines in simple language the fundamentals of money management: why the current crisis came about (and why you should care), how to clear your debt, how to cut your costs, guidelines for boosting your earnings, and other critical financial advice to help the man in the street to survive the tough times.