It's no fun being in debt. Money shortages are always stressful and serious debt can emotionally drain you. And yet, while you'll find lots of advice about the practical aspects of debt management, there is precious little help available for the psychological side of things. Negative feelings like fear and anxiety need to be dealt with before they start to overwhelm you. So here are some self-help tips on how to deal with this challenging period in your life: -- Count Your Blessings It's o.