7 Ways to Stay on Top of the Credit Crunch. 1. Value the importance of Godly friendship. 2. Value your family. 3. Value your Job and always be on time and work twice as hard. 4. Be a blessing to someone this week. 5. Read the bible Daily. 6. Find a Jesus Christ Lively church and go to. 7. Walk in Love and not in Fear. 7 Ways to stay on top the Credit Crunch. 1. When you go Shopping, go with a List. 2. Don't ever buy anything on impulse. 3. Only buy what you have budgeted for. 4. Browse around to look for bargains and sales. 5. Don't drive to the shops always to get something for a day. 6. Buy in bulk for weeks and that will save you more money. 7. Always take stock of your expenditures weekly.