Some have it and some do not.
Some who do not find ways of managing and remain calm and peaceful and those who have may be totally unhappy.
Whatever your situation if you find money is a source of stress the best thing to do is take control of the situation rather than trying to hide from it!
Often our reaction when things get tough is to bury our heads - but that doesnt solve anything sadly.
One piece of guidance to give is if you find yourself in difficulty do not borrow more - you simply increase the amount of interest you are paying and end up in debt.
Also better not to pay a debt management company if you can help it -again you are losing money.
Far better to approach a charity listed below. They will help you work out how much you need to live on - and help you deal with your creditors.
So please - if this is an area of concern for you get in touch with these people below it will not cost you!