It looks like debt will be a challenge throughout 2014, but take heart. If you budget your funds well, you’ll be able to pay off all of your bills by the end of the year. It will be matter of living beneath your means. Although it won’t thrill you to cut back on luxuries, you will enjoy the challenge of getting the most value for your money. Clipping coupons, getting rebates and shopping at sales will help stretch your resources. So will frequenting second hand stores. You can find some very beautiful furniture and serviceable equipment at discount prices. If you’re in debt to several different creditors, consolidate your bills so you can make one monthly payment. This will help you take a more focused approach to money. Are you debt free? Then take this opportunity to open a savings, retirement, or college fund. Contribute a set percentage of your income to this account every pay period. Pretty soon, you’ll have a financial cushion that gives you a lot more personal freedom.