The absolute worst part of Debt is the stress that it can add to your life. Constant payments to manage your debt can have affects far beyond just your finances. It makes sense that so many people dream of being debt free. Of course, turning that dream into a reality is easier said than done. There is over $13 trillion in household debt in America. This can seem insurmountable but if you take things one step at a time, you can be debt free sooner than you ever imagined. 1.  Build a Complete Household Budget Taking charge of your debt first requires you to build a complete financial picture. Going through the process of budgeting is a revealing process for many. However, less than half of Americans actually create a …

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