If you ask the question, “could you do with more money?” I’m sure most of us would reply with a resounding “yes.” There are a couple of challenges with this though.
Firstly, most people live about one-third beyond their means. That is, most of us are in debt. So, for those who think their problems would be over if they simply had a pay rise, think again. Unless you modify your behaviour a pay rise is the last thing you need because you’ll simply put yourself into a higher debt level and still live one-third beyond your means.