Debt is money you have spent that is not yours. Sara hadn't even imagined what could hurt her, so she let him pass as if nothing had happened. Sara had the chance to control her debt and plan her money, with these four steps she could use: 1.) Record her daily expenses 2.) Plan for upcoming expenses 3.) Look for ways to spend less money 4.) Find a way to increase his money/income. As a college student it is very easy to spend all your money. Sara and her group of friends loved to party and have fun every day of the week, what Sara didn't know was that they used her money to buy their supplies. According to Simple Dollar, “As of early 2015, total consumer debt outstanding in the United States rose to $3.34 trillion. This figure includes car loans, credit card debt, personal loans, and student loan debt, but not mortgage debt. (That would add another $8 trillion to the pile.)” (Johnson). This shows that Sara is typically not the only one looking out for her when it comes to having problems with saving money, budgeting, and staying out of debt. Although Sara had a hard time when she got into debt, she realized how important it was to get out of debt