You should consider enrolling on a course to help you understand the concept of investment risk. I don't have enough money to do anything with it. This is a constant refrain. When you get to the middle of the month and the minus signs start appearing on your ATM card you may feel that you will never get ahead. Just have a good look at where you spend your money each month.
Huge inefficiencies exist in most budgets.
If you simply cut out the luxuries for a while to pay off some of those niggling debts you could easily free up some cash. I don't have enough time to handle the finances. This is a really lame excuse. If someone gave you free tickets to see your favourite musician you would not hesitate. It has nothing to do with time it has everything to do with your level of interest.