Money issues are a common component of ‘tough times.’ At the very least, the lack of money, or even of money and possessions themselves, often feature in these situations. Having too much can give rise to sleepless nights trying to protect, manage or grow what you have, whereas having too little can result in sleepless nights trying to balance the budget and respond to the red demand letters. Having ‘nothing’ or being in debt makes people feel destitute and often a burden on family or the Government.