Recession 2015

I have seen a couple of shops and firms closing their offices and some are down sizing. Do you know what's happening? Do you feel like your monthly commitments(credit/debt) are gradually getting more expensive?

Here is how to survive the recession:

Settle all your short-term debt.
Avoid acquiring more unsecured debt.
Secure your income streams.
Invest in yourself via new skills acquisition.
Add to your income streams.
Avoid any type of credit.