Finances and Family in 2016. DOB is 12 Sept 1984.

Hi, I've had a good start to 2015, but the second half left me in debt due to bad management. 2014 was overall a better year for me. What can I expect in 2015, will I recover from the debt, or should I consider changing my direction in my business? We are also trying to start a family with my husband. Is 2016 a good time, or will it be too difficult with my finance trouble now?