A new report from Financial Finesse has found that women are having a much tougher time navigating the financial crisis than men.

From January 1 through April 30, Financial Finesse’s Financial Helpline Services–which is staffed by salaried CFPs–received more than twice as many calls from women (68%) than from men (32%). The study tracking calls to the Helpline found that women were more “reactive than proactive about their finances than men,” the study states.

Financial Finesse found that:

? 43% of calls from women were regarding debt, with half of those relating to strategies to reduce debt, while 36% of calls from men were regarding debt.

? 29% of the debt-related calls from women concerned serious debt issues such as “How can I avoid foreclosure? How can I avoid bankruptcy? What are the pros and cons of taking a loan from my retirement plan?”

? 21% of calls from women to the financial helpline related to budgeting and saving compared to 34% of the calls from men.

Women are also behind in paying their bills on time. The Helpline found that only 74% of the women callers said they paid their bills on time while 90% of the male callers reported paying on time. Another glaring difference was in how comfortable the sexes were with their investment allocations. Only 24% of women felt confident in the investment allocations, while 40% of the male callers did.

The research was compiled using Financial Finesse’s Financial Helpline service, which is available to over 500,000 employees from more than 300 organizations, and by tracking usage of Financial Finesse’s online Financial Learning Center, which provides employees with a personalized financial education plan and an analysis of their current financial wellness.