Most of us are carrying too much debt, and the time to start doing something about it begins right now. You can create your own plan for How to Get Out of Debt or borrow someone else’s, but the most important thing is to get started. As simple as it seems, one of the first steps can be to figuring out how much debt you actually have. This sounds almost naive, but the fact is that many people, including me, avoid doing this because they don’t want to know. Until you know the size of the beast, you can’t confront it, so take a deep breath and add it up!