-Leo Babuta In 2005, one of the low points of my life, I had 5 kids, crippling debts, and was barely making it from paycheck to paycheck. I would shove my bills in a drawer, envelopes unopened, so I didn’t have to deal with bills I couldn’t pay. I would avoid the calls of collection agencies. I was swimming in debt, and didn’t know how to get out. The real low point, though, came when we didn’t have enough money to buy some milk and cereal for the kids. My bank account had a negative balance. So I stole money from my kids’ piggy bank to buy the food. Yeah, that didn’t feel good. Things went on like this for awhile before I finally decided it was time to face the fears, see my situation clearly, and start doing something about it. Here’s what I did: I finally faced the problem : I took the bills out of the drawer, and make a spreadsheet with all my debts, the amounts, and the minimum monthly payments. I took a look at our spending, and realized we needed t...