Are you in debt?
Simple really, I'd expect most of us to be, especially including a mortgage. I know having a mortgage means that you also have a house, which counts as equity etc. but personally I still count that as debt, just 'good' debt rather than the more normal 'bad' debt.

I'm probably the worst one here.

If debt is a pool i'm 6 miles underwater.

My debts include loans (bank and student), credit cards (still paying off despite not having used one in nearly 2 years), and overdraft.

Even if I put every penny I earnt into paying off my debts it would take me over 4 years to pay it off.

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Well I have a mortgage and a car loan, I dont have any creditcards (they are the root of all money evils) and a few items that I am paying back monthly (really should sort them out as well)

Still I have lots of money left to buy nice things for wifey and keeps me drunk most weekends.

I do wish there was a quick and easy way of paying off the car loan without resorting to robbery or selling the car.

Perhaps we have some local animal pervs I can pimp out teh cat.

That's the one thing that amazes me, that people can have a good portion of their debt written off, yet seemingly not have to give back the items that they bought while accruing that debt.
Its similar to benefit cheats who con the government out of thousands, then cry poor when caught and end up agreeing to pay it all back, but at something stupid like 20p a week, with no interest incurred.