We are all in debt at some point in our lives - even if we don’t fully realise it. If we are paying off a mortgage, we are in debt. If we buy a car on finance, we are in debt. There are certain things that you may have done, like take out store cards and credit cards that you haven’t paid off - and don’t fully need to yet - but this still means that you are owing your money to somebody else. So how do we fully recover from it and ensure that we are fully debt free? Often, we don’t have the money available for us to escape it completely.until we are well into retirement age, but there are certain things that we can do now to lower the debt that we already have.