The CCCS (Consumer Credit Counselling Service) have just published a report stating that the number of high earners requesting help has risen by 257% in the past three years. It seems that a high salary is no longer any protection against the creeping menace of debt.

This fact is just the tip of the iceberg in terms of the real issue thats now developing. When people get to the stage of calling the CCCS for help then things have usually got to crisis level and theyre looking for any way out. There are countless more people who are on a collision course to the same crisis who have yet to take any action to solve it.

Whats the real reason behind this? Well there are two main reasons and theyre both connected.

Firstly, most people earning over 30,000 simply dont feel they have the time to sort out their finances. There are too many other pressures and priorities. So money always gets left until last and then it seems too overwhelming. And then its just ignored until it hurts. And with the average debt of those who call the CCCS running at 70,000, thats a lot of hurt.

Secondly, most people dont feel they understand money and finance. They have a low level of financial literacy. And they dont have the time to find out about it either. This simply compounds the first problem because if you have limited knowledge and understanding then youll expect anything you do to take even longer.

Most websites, magazines, books, seminars, TV shows and newspapers seem either too complicated, too disjointed or take too much time to be useful. So youre left wondering who to turn to and where to find information that you can use.

The real secret that most people dont know is that in reality improving your financial literacy and managing your money can be done in just a few minutes a week. It simply takes some guidance and a little bit of planning.

Once you get it into your routine it starts to become a habit that grows with you. The more you do it, the easier and faster it is to do it. Those who have cracked this secret look back and wonder what prevented them from this in the first place. Its so much easier to see the reality from the other side.

So you need to make sure that youre not about to become another part of the growing statistic that represents the debt crisis and take that small amount of time to get started on your own financial recovery.

You need to find the ways to get started and allow that seed of action to begin to grow and develop. Just beginning will open your eyes, and youll soon be finding the answers you need and seeing more opportunities to improve and grow your money even more.