The number of people who have got into financial 1.( difficulties / problems ) this year has risen. 2.( highly / sharply ). As a result, some of them have gone 3. (poor/bankrupt ). Too many people get into 4.(debt/loan) because they take out a 5. (lending /loan) which they cannot repay. Alternatively they fall 6 (behind / back ) with the payments on their mortgage and cannot catch 7( on/up). It is very important to get adive and pay 8 (over / off) debts as soon as you can. This often means living on a 9 ( reduction/budget ) ang going 10(without/off) luxuries for a while.