People are increasingly reaching "breaking point" where they should find some debt management advice, it has been suggested.
They are more anxious about their finances because more people are now in trouble when it comes to their money, not because of increased levels of paranoia, said director of national money education charity Credit Action Chris Tapp.
"The downturn in the economy has led to a rise in the number of people who have seen a downturn in their own individual personal finances," he explained.
Such people are now finding it difficult to get on in their everyday lives.
His comments come after the Citizens Advice Bureau (CAB) revealed that there had been an increase in the number of people enquiring about debt or redundancy problems, such as debt management issues.
There was a total of 1.93 million new debt problems advised on by CAB, accounting for an 11 per cent rise on 2007/8 figures.