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is the first full-fledged sequel to the popular "life simulation" franchise in which players furnish the homes and supervise the lives of virtual inhabitants known as sims.

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Are you worried about losing your home or your car? Many people face a financial crisis at some point in their lives.

Are your accounts being turned over to debt collectors?

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The Money Advice Service has information about debt management and offers free debt advice.

It can put you, co-borrowers and other people who guarantee your loan, at increased financial risk.

Back to top If you want to include all your debts in your home loan it will probably be cheaper to extend the length of your current mortgage than to refinance.

The first step toward taking control of your financial situation is to do a realistic assessment of how much money you take in and how much money you spend. Then, list your "fixed" expenses — those that are the same each month — like mortgage payments or rent, car payments, and insurance premiums.

Next, list the expenses that vary — like groceries, entertainment, and clothing.