A survey has found a larger proportion of families with children in Jersey said they were struggling compared with those who did not have children.
The annual social survey found that two out of five households said they were now worse off financially than this time last year.
The States of Jersey asked more than 3,000 households how they are coping financially as part of the survey.
A quarter of people said they were finding it difficult to make ends meet.
Fewer than one in 10 households with pensioners said they were in financial difficulty, the smallest proportion of all types of household.
The survey also found that 40% of households felt they were in worse shape this year than in 2009. Just 20% believed their situation had improved.
People in Jersey with financial worries are being urged to get help by the head of the Jersey citizens' advice bureau.
Malcolm Ferey said there was help available to people.
He said: "I would encourage anyone who has got debt worries to not let them become real problems. We do see people from all walks of life.