Debt is one of the biggest things that causes stress, meaning those who know they have debt hanging over their heads may always have it in the backs of their minds. This isn't a healthy way to live, but there are some things that you can do to reduce that stress.
First off, some experts suggest spending your money not on items, but on experiences. They note that most items are exciting right away and then boring a short time later. Experiences can create memories that last for life.