It's the age-old story. Man falls asleep. Man wakes up. Man has a huge headache and asks to be taken to the ER. Doctor discovers small-caliber bullet lodged behind man's right ear. Woman admits to accidentally shooting man in his sleep and is booked on a weapons violation charge. Does it get any more cliche than that?

Every dollar of debt you get is like a gunshot to the back of the head. But here's the deal ... don't wait until it's causing you a big-time headache to get rid of it. Or you'll wake up one day and find out that it's taken your life. Stay smart, simon. Make that budget, get out of debt, and rest easy at night. And keep your guns in a safe place. Got that?