Getting out of debt, without worry

I've had all kinds of thoughts, wishes and desires for getting out of debt. It's pretty hard to avoid some debt, though. Student loans, car payments, home repairs, medical bills. You name it, and we've probably either had it (past tense) or are paying it off as quickly as we can.

Right now, I am focusing on preparing to send my two younger children to college in a few years, so that means getting debts down. Fewer bills mean more money free to save/invest/pay to the college of their choice.

The Gentleman Friend, knowing this and being a sweet man, sent me this article on why people remain in debt. It's worth a read. 

Three things keeping you in debt

I know that I have done all three of these ... being afraid to look at bills, not asking for help in creating a plan for our finances, and beating myself up for debt.

My current philosophy is not to dwell on debt but to be thankful for what we have. I try not to worry, and I have my moments, but looking at your money with a plan instead of feeling bewildered will take care of most of your fretting.

I am steadily paying debts down. I'm reminding myself that our college expenses (tuition, books, housing, etc.) have resulted in two bachelor's degrees, a master's and, by May, another master's. Our car notes (two currently) are not always fun to pay, but both our cars are in good shape and reliable. Every house payment means it is closer to being mine than being the bank's.You get the idea.

Another thing that's an improvement for us is planning for down the road. Instead of seeing college down the road and panicking, be proactive. Know the expense is coming, but instead of worrying, take steps to be ready.