It's time to get real about your debt and answer the question: How much debt do you have? Jean Chatzky says that many people don't know—and even if they do know, often their spouses don't. To get yourself on the road to repayment, Jean, David Bach and Glinda Bridgforth all agree that it is crucial to know how much debt you're carrying and at what interest rates. Pull out all your bills and print out the chart below to see how much debt you really have. Once you know your total debt, you can start paying it down!

Print this chart and track your debt!   

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