It’s easy to think about debt as a sort of deal-with-it-later type of problem or as simply being a product of economic forces beyond our control. But what if the way you think about debt is actually part of the problem? Not only are there myriad fallacies out there about debt, its effects, and how one can escape it, but overspending can be caused by off-base priorities, unreal expectations, and the way you value different forms of payment. What’s more, when it comes to paying down debt and altering spending habits, at least half the battle is mental. With that being said, here are five tips for dealing with debt by tackling the mental side of this problem