I've just heard about a cool credit-crunch-busting idea. Stag and hen party organiser Redseven has launched a payment plan that lets you spread the cost of the hen (or stag) do over several months. The plans are interest-free and monthly instalments are from £6.90 ­- perfect if you can't stump up the full amount in one hit. The plan comes with the guarantee of a full refund if you're not happy with anything, or if you're made redundant. Redseven organises hen and stag parties across the UK and abroad ­ from learning how to make cocktails in Bristol to quad biking in Stratford-Upon-Avon and paint balling in Riga, ­as well as tailor-made packages. Visit www.redsevenleisure.co.uk or call 0800 970 2744.