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Are you worried about the state of your finances?

Ross McWilliam looks at the consequences of debt for people immersed in loans and seduced by the lure of easy credit. With a two-fold increase in personal insolvencies among the under 25s, the Investigation reveals the sobering reality which underpins these statistics. Have you come through tough times when it comes to money? What lessons did you learn? And what advice do you have for people who are struggling with debt?

Plus: Should people on benefits have to work for their dole money?

Claimants "will have to work to get their benefits" under proposals unveiled today by the work and pensions secretary James Purnell. One of the ideas being put forward is that they could be forced to pick up litter and clean graffiti.

Graham Stewart takes your calls, texts and emails.