Yet again the Bank of England has stepped in to save financial institutions who have overstretched themselves and now cant pay their bills. Wondering how to vote on May the first??? I have a the answer, a sure method of picking the right candidate..... read on.

For around 8 years now banks have been shoving credit down our throats like an insecure grandmother stuffing her very chubby grandchild with ever more chocolate pudding. With mortgages up to 5 times earnings and credit cards scattered like confetti at the feet of people with neither the income nor the intellect to manage them, its hardly surprising that the financiers are now struggling to pay their bills. They are conveniently blaming the American financial crash on our current situation. It is obvious to anyone with even a profiterole for a brain, that the banks have been playing a dangerous game for too long and their downfall is by their own hand.

I am angry that the banks and other financial institutions have had the free reign to force feed the nation on unsustainable credit. They have done this using clever marketing which focused us all on the ever upward spiral of our house values and a Utopian view that the economy was never going to be anything other than glorious. They have encouraged bad risk in order to increase profit ts and penalised those who pay their bills on time.

I have an Aunt that several years ago inherited some money, around forty thousand pounds. To her and her family, who had always struggled financially, this was a massive amount of money, an amount beyond their wildest dreams. Here was a chance to purchase their council house, pay off some debts and put themselves on a proper stable footing for the future. Instead, they booked extravagant holidays and filled the house with the best Twinkly Tat that QVC could offer. In no time at all the money was spent, the debts were piling up and they were on the beg for family money to bail them out. It was entirely their choice to spend their fortune in the way they did, however, now that they cannot pay their bills they should not be assisted by those who have been careful.

This should be true for the banks also. They ave partied hard and gorged themselves paiying no attention whatsoever to their future financial needs. Like an alcoholic fire eater they have been mixing business with pleasure and swallowing too much of their own nonsense which really isn't fair and should be stopped. We have to take responsibility for our irresponsible spending, why shouldn't they?

Here's my way of making this whole thing equal again. Find a bill that has been nagging at you for a while, maybe a gas bill, council tax or that overdraft you just cant seem to pay off. Photocopy the bill and pop it in an envelope along with a polite letter and post it to all the major political parties. Whichever one of them pays your bill first, that's the one to vote for. After all, what is a few hundred quid to them to buy your loyalty, when they have promised billions to irresponsible bankers who have given no assurance of future support and no promise of good behaviour.