Are you in debt ? You probably are, is this a bad thing ? I was told that you should have some debt to build a personal credit rating. That’s not the way I felt when making these pesky monthly payments though. Now that I’m older, my challenge is to control the temptation of filling out the onslaught of credit card applications I receive daily, of course they’re all preapproved. If your wondering if you are carrying more debt than your peer group, here is a spreadsheet to help you determine where you fall. Don’t fret, one way or the other, we’re all in some kinda debt, like it or not.