Containing two works addressing the problems we have all had with money and with credit. "On the Real Causes of the Recession, Banking and Credit Crises 2007/2008" is a conventional analysis which identifies a key factor in why the credit crunch has arisen. It is this key aspect of the credit crunch which must be tackled to restore the levels of credit the world needs. Whilst scrambling for Keynesian fiscal stimulus responses we seem to have overlooked a rather more important factor John Maynard Keynes identified from his experiences in the 1930's. In recent decades the world of economics has somewhat neglected Keynes' ideas on the Trade Cycle at its peril. "The Economics of Money, Poverty and Wealth and What We Should Do About It" argues for a very unconventional alternative approach and cure to the problems of modern economics and our financial systems.