And if you've got what it takes to look after yourself, with a little help from some earthy friends, here are a few off-the-grid destinations that will take you in.

CNN: 5 great spots for dropping off the grid

Campaigners also want to see people given more education about how to manage money which might help flag up the pitfalls of what at first sight seems like a straight forward way to get yourself some fast cash.

BBC: Wonga: Premier personal finance player?

Write some positive affirmations about yourself based on these reflections that you keep visible in your workspace to help you stay on track.

FORBES: How Improving Your Relationship to Success Will Help You Succeed