For those of you tuning in from outside the UK, Greggs is a notoriously inexpensive sandwich retailer.

But you know what? I think the midday moneysavers in this picture are over-reacting, because I don't believe downturns actually affect individuals that much.

Sure, they affect companies. Agencies will have less business, and so are forced to fire people. But assuming you don't lose your job, that means you have roughly the same amount of work as before, doesn't it?