Financial worries * solutions to financial problems * how to solve financial worries * increase income * reduce household bills * debt consolidation * individual voluntary arrangements

Stress and depression account for more lost man hours at work than any other single ailment - an estimated 6.4 billion pounds in lost production every year. And the biggest cause for the UK's stress and depression is financial worries.

However, financial worries cause even more illness related problems. Stress can cause heart attacks, high blood pressure, Angina and migraines and depression can cause eating disorders, leading to obesity which can result in an endless list of other illnesses and ailments. Depression also causes other mental illnesses and of course suicide.

One could therefore draw the conclusion that the problems with the NHS are down to your bank and the fact that you overspent on your credit card last month.

Go to the start of this article about financial problems.

The solution, therefore, is to put an end to your financial worries and everything else will simply fall into place.

• Consolidate all your debts into one affordable monthly payment. Advisable if you are seriously intent on sorting your financial problems out once and for all.
  
  

• However, if your unsecured debts amount to more than £15,000, you owe this amount to more than three creditors and you can genuinely not afford to service these debt, then an individual voluntary arrangement would be an option you should investigate.

Having got yourself into a situation where you can manage your finances, you need to take further positive steps to ensure you never place yourself in a vulnerable situation again.

• Who in the right mind borrows the equivalent of half a year's income on a new car? Someone with low self esteem, someone who feels the need to impress, someone who is prepared to put themselves in debt just to be seen driving a status symbol. Who are they kidding? Only the other idiots who measure success in this manner, certainly not the people who follow this advice. If you want a nice car, get yourself in a situation where you can afford to pay cash. All things are possible if you follow this advice.
  
  

• Stop whinging about how little you earn. If you are on a low income; do something about it. There are ways of earning additional income, working from home that have the potential to earn far more financial than you are earning now. Stop moaning and take steps to start earning money from home.
  
  

• If you need to make a major purchase - wait. Do you need it now? Can it wait until you have saved enough to pay cash. If you wait and pay cash, the likelihood is it will cost 75% less than if you borrow on finance.
  
  

• Do something about reducing the cost of your telephone, gas and electricity bills. Switch suppliers, this one offers the opportunity to make free calls to any UK landline telephone number all day, every day.
  
  

• But don't just stop at changing your telephone supplier, do something about cutting your electricity and gas bills as well.
  
  

• Even changing the food you put in your shopping trolley could save you £2,000 per annum. £40 per week saved, every week and a healthier lifestyle too. Healthy living equals a healthy bank balance. Manage your debts by managing your diet.

No more sleepless nights, no more anxiety attacks, no more dreading opening the post, a life free from financial worries.

What you must do, having sorted your financial worries out, is not go back to a life of borrowing and working just to pay someone else their interest.

Make this your defining moment.