A: Let me start by saying, your feelings are completely valid. Debt doesn’t need to be overwhelming for it to weigh on you; one person’s $3,000 bill might be as insurmountable as another person’s $30,000 bill. Just because your partner or friends carry more debt without expressing worry doesn’t mean you are overreacting. In fact, a Credit Counselling Society survey found that over half of Canadians (54 per cent) feel worried or concerned about their debt, and among those whose debt rose in the past year, 84 per cent reported feeling anxious.

Everyone has their own tolerance for financial risk, and being tuned in to your money is usually a strength, not a flaw. Thinking about your balances, planning around them, or feeling anxious about what you might miss out on, is your mind telling y

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