While it might be hard to look at your current situation with a positive attitude there is a good opportunity for you to learn from this and ensure that it doesn't happen again.

By following positive steps towards reducing your debt and understanding why you got in debt in the first place you will know precisely how it happened and what to do to avoid it happening again.

You will have a better understanding of the things that you need to enjoy a happy and fulfilling life and those things that you might want but not need that can cause financial turmoil and all the stress that goes with debt levels you can't handle.

You will learn how to budget and have total control over your finances and know when you can and can't buy those luxury items.

You will also learn a lot about time management and that will enhance all aspects of your life as you will be able to work less, make more money and have more time with good time management.

One of the most important things that you will learn is having control over your life. This will reduce your stress on all levels and stress causes distress so you can look forward to having a happier life too.

You will learn what is most important in life and things such as your health and welfare will take precedence over electronic gadgets that are more likely than not harming your health in one way or another.

It is in these times of difficulty and seemingly endless stress that we learn the most important things in life.

The education that you get from working through this process of debt elimination and debt freedom will mean you will have more control over your finances than the majority of the population and in doing do you can look to bigger and better things in the future that you will be able to pay for in cash should you decide to reward yourself.