Croydon and Redhill in Surrey are two of the ten areas in the UK where people are the most worried about money.
The conclusion was drawn by debt management company PayPlan who surveyed 40,000 people.
Many families have seen their budgets squeezed. Some parts of the country are in recovery while other parts are still in decline; but even in more affluent areas if wage increases have not matched the rising cost of living then debt is still a problem.
Many people are struggling to make ends meet, so if mortgage rates rise and gas and electricity prices increase it will push many more people into problem debt.
“The issue is to get people to seek help and not take out more debt as, over time, this only makes matters worse. Once debt is managed then people can get on with their lives.”