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If you are worried about your adverse mortgage, being pessimistic about the future will not help – by seeking out some mortgage help you might find that you actually have something to smile about.

Unfortunately, people living in Britain are more pessimistic about their standard of living improving than they were five years ago. One in five people questioned by Scottish Provident believe that their standard of living is likely to decline over the next ten years – this is in comparison to just 14% of people when asked the same question five years ago.

Worryingly, the research found that one-fifth of those questioned are not only concerned for the future – they think things have gotten worse now.

Susan Barclay, head of marketing at Scottish Provident says: "Against a backdrop of economic turmoil it is understandable that people are uncertain about the outlook for their standard of living. What is worrying though is the level of gloom with the majority of people saying they don't see an improvement in their standard of living for at least ten years.

"It is important that where possible, consumers protect their standard of living for themselves and those around them. Whether there are improvements or not, it is vital consumers do not take their existing lifestyle for granted and take out adequate protection."

If you are pessimistic about your future because of bills, debts and adverse mortgage problems you may find that there are things to smile about. Talk to a mortgage adviser about your options, now and in the long-term. You might find that you can access credit or you might find that your finances can be adapted to handle your debt problems.

After talking to an adviser you might find that you actually have something to smile about.

SOURCE: Scottish Provident, 04/11/09

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