In today’s economy, it’s downright normal to have a home mortgage, some student loans, and even a bit of credit card debt. But what should you be doing to protect yourself and make the most of your money? Sure a small amount of debt is normally fine, but sometimes if you don’t take control of it, it could have control over you. Here’s a well-kept secret: Once you start borrowing money, it can be challenging to dig yourself out of the hole.