Another increasing problem for everyday Britons as Government tightens public spending and businesses struggle to cope with drop in demand for many products and services is financial problems. Most of us are experiencing or have experienced problems with cash flow and debt at some point.

Only a small percentage of the population are fortunate enough to be ‘above’ the problem. Many may argue that the more you have, the more you stand to lose, though anyone who has lost sleep worrying about how to keep a roof over his/her head will have no doubt about which end of the ladder they would rather be!

• Unemployment & Redundancy
• Illness or incapacity
• Business problems
• Gambling or Risk taking
• Relationship break-ups
• Loss through theft or fraud
• Paying for an expensive drink or drug habit
• Excessive shopping
• Credit card debts
• Negative Equity
• Putting your kids through college or university
• Generally living beyond your means

Whatever the source of your money problems, you usually need to do something positive or stop doing something negative and equip yourself with the psychological and emotional ‘tools’ you will need to make these changes.