Money * money problems * advice * help with money problems * solutions * worries * how to solve money problems * how to get out of debt

Who ever said "Money is the root of all evil" obviously didn't have money problems. Of course having loads of money leads to other worries and problems but let's get you to that situation first and then cross that bridge when you get to it.

You may well be one of the 40% of the UK population who has money problems of one kind or another. These problems can range from being regularly over drawn at the bank at the end of each month, missed store card payments, increasing credit card debt, loan arrears to mortgage defaults leading to repossession.

This 40% doesn't include households that manage to balance the books every month but have little or nothing left over after paying all the bills. This 40% represents a large chunk of the UK who find themselves deeper in debt every month.

If you think that statistic is horrendous, look at this. It is estimated that the average UK household pays out 64% of their net income in interest repayments on their mortgage, loans, store cards, credit cards and bank charges. This means that where there are two full time income earners in the family, they are working for 224 hours per month to line the coffers of their creditors. One partner is working for nothing every month and the other is working for a week and a half just to pay off their interest.

The UK has the highest borrowings per capita head in Europe. Obviously, house prices are a major cause, but property owners, buoyed up by the rise in house prices have taken advantage of this perceived wealth and continued to re_mortgage to maintain their high lifestyles. As a result, many homeowners, despite the fact that the value of their homes have risen dramatically over the last decade or so, when taking their other borrowings into account, are worth nothing on paper.

There is something about the UK's work hard play hard psyche that seems to make people want something now rather than later and as a result, everything is bought on a buy now pay later. The problem with this is you end up paying for it over and over again and in more than one way.

If you are reading this and think we have been looking at your bank statements, rest assured, I haven't, it could be one of over 15 million households in the UK.

If you are going to put an end to your money problems, the first thing to do, is to change your attitude to spending money. The next thing is to put yourself on a financial even keel, then look at ways of generating additional income and finally set the parameters to acquiring wealth.

Over the next few pages we will provide you with the information to do all these things, links to other money and debt problem solutions and show you how to make enough income to pay off your mortgage early and then enough income to buy virtually anything you could wish for. (Within reason).

However, the first thing is to put an end to your money problems.