You may have heard of the saying: “How do you eat an elephant?! One piece at a time.” One of the biggest mistakes many of us make is we look at everything all at once and when we do that we begin to suffer through A.I.N. (Panic, Anger, Insecurities, and Negative thinking/actions). We instantly panic and worry about the debt. We become angry every time there is something that reminds us about the debt. This can be the regular mail, email, and phone calls from bill collectors. With having insecurities from the debt, we feel ashamed and beat ourselves up. We lose confidence in our ability to take care of ourselves and household. When all that sets in, it is easy to dive into negative thinking such as indifference or having a complete defeatist attitude. No matter how much we panic, get angry, beat ourselves up, and throw up our hands and give up, the debt did not go away. The first thing is to look at the debt one at a time. Realize that it is owed but understand that what is owed will be taken care of.