DEALING WITH DEBT Debt does not have a timeline.  It seems like many folks regroup at the beginning of the new year, but in reality, managing debt is a year round job. Gas prices are up, food prices steadily rising, utilities, and health care, all seem to have no end in sight and are adding to your cost of living.  What do you do?  I put together a few ideas for you to help. First, consider building up an emergency fund. Try to put away three to six months’ worth of expenses in an account that you can access for emergencies only.  This little stash of cash should help you…