As we can see, it's very obvious that money is the root and main problem of people. But how can one be able to get beyond financial trouble? The power to take control over your personal finance situation is completely within your grasp, and there is far more than enough financial education and debt education is out there. For instance, you don't spend more than you earn, and you don't spend more than a third of your income on housing. You should be able to stick at least 10% or more of your earnings into savings every time you are paid. These things are within your grasp - and they seem harder than they actually are, and you don't need to worry about getting payday loans or more credit cards.