Sometimes we spend money we don’t have — sometimes out of need (like car or home repair) and sometimes because we want to (like getting the latest gadget or enjoying a night out). Whether you’re the victim of circumstance or just occasionally less than frugal, when you create debt, it’s a good idea to pay it off. Add it up. Before you do anything, tally up your total credit card debt, including medical bills and personal loans. If you owe more than half your annual income, consider getting p...