In today's society, carrying a certain amount of debt in your life is the "in thing" to do. That isn't always a good thing, but it's a reality. Often, debt turns out to be a negative circumstance that can lead to frustrations, monetary bondage and it can also affect the family as a whole. Here are a few things to look for in order to determine if the debt in your life is too much:

• The first and most basic sign that the debt in your life is too much is if you can not afford to make your monthly credit payments. Do you find yourself borrowing from one credit source to pay another? Or maybe you are making minimum payments on credit balances so that most of the payment goes towards interest on the debt?

• Do you find that managing the debt in your life is too frustrating and complicated? The presence of debt can often bring frustration, anger and confusion into your life, your marriage and your relationships.

• Do you find that no matter how hard you try, you can't stop spending? If you're finding that your addicted to spending cash for items you don’t' need and/or using your credit cards that is a problem that needs to be fixed since it just leads to more debt.

Basically, if the debt in you life is bring negativity in your life it's too much. It's a question that only you can answer.

Belver Ladson is a successful entrepreneur, motivational coach, and graphic artist.  Belver strives to help people see the goodness in life and the fact that hope is always present.  Belver can be reached at: http://www.dfandiabetes.com or http://www.belverbears.us or via email at belver@belverladson.com