The purpose of this study is to structure finance management education programme and to provide basic data orienting finance service system by means of analyzing the level of financial problem and its influential variables. The following is the result of this study: First, the level of financial problem perceived by housewife in urban areas is in the following order ; property which is perceived the least. Second, the level of financial problem perceived by housewife in urban areas is dependant on housewife age, husband education level, husband occupation, the degree of property, the degree of debts, tendency of fortune control, tendency of materialism, feeling of appropriate resource. It is especially noting that housewife in forties shows high level of financial of financial problem recognition than housewife in twenties does. This indicates needs for middle for middle-aged home management in which happens house moving to larger size, education of children, marriage of children, preparation for stabilization basis after children’s marriage, and shortage of surplus money. Third, variables which affect all sub-areas are family property sum, tendency of materialism, feeding of appropriate resources. The less family property sum, the stronger tendency of materialism, and the more perceive feeling of appropriate resources, the more perceive they financial problems.