It hinders your ability to live freely, and can affect everything from personal relationships to physical and emotional health. Debt is a seemingly endless cycle of making, spending and owing money. It drains your bank account, and figuratively, the very life from your body. How did you get into debt, and more importantly, how can you get out? It’s never too early, or too late, to learn principles of good money management. If the bills in your mailbox and on your desk are dominating your life, with determination and sound advice, it is possible to break free of debt.