Personal money problems can take a toll on the workplace. Employees may take time from their work to balance checkbooks, call banks and creditors and even check their on-line banking. Rising costs can push workers to take second, or even third, jobs that leave them tired and unable to give their best effort.For the first time in the 32 years that the Gallup organization has been asking the question a majority of Americans say they are worse off financially than a year ago. Fifty-five percent of those who responded to the question in May, a big jump from the 44 percent in January/February said they were worse off than a year ago. Employers large and small have taken steps to provide information and service to help employees. The first line of defense is often referral to employee assistance programs.These programs can also be called upon to conduct information and training sessions on stress management and budgeting. Credit unions are another good source for classes on financial literacy.