With the economy in the shape it is, debt is regrettably becoming a bigger and more frequent problem. Families and individuals are accustomed to living a certain lifestyle, and with everything becoming more expensive, the cost of living is becoming too much for some incomes. We try to maintain the lifestyle we lived before, yet the money we have does not cover it. This is when we take out credit cards and loans that ultimately result in debt. Not only is debt bad financially, it can also have an negative affect on ones health, leading to stress and depression at the rising credit card bills.