The old saying goes that debt has its way of creeping up on us without us really even knowing it and this post will be about how to manage debt.  Now a days we are so quick to pull out our credit card or debit card to make a purchase.  To manage debt we need to really look close at what we are spending our money on and really track it. It is important to keep debt at reasonable and manageable levels or we could end up incurring high interest rate charges. Even worse having barely enough money to pay...