Woman tacking her debt.
Pretty much everyone is trying to stretch their limited bucks. Most of us are also juggling debts, whether it's a mortgage, student loans, credit cards—or all three.

Debt certainly isn't always a bad thing. A mortgage can help you afford a home. Student loans can be a necessity in getting a good job. 

Both are investments worth making, and both come with fairly low interest rates. But when you have more debt than you can handle, particularly when it's high-interest credit card debt, it weighs on your mood, your health and your relationships. 

Yet you can get out of the debt hole and, just as importantly, learn to manage the stress. 

"With financial problems, there's no easy way out, but there are steps you can take, and as long as you keep moving, you're going to move in a better emotional direction," says Gerri Detweiler, co-author of the new e-book Reduce Debt, Reduce Stress: Real Life Solutions for Solving Your Credit Crisis.