“Getting into debt sucks”
That's a lie; getting into debt is awesome! Shopping, Vacations, Partying – quite frankly I had a ball going into debt.
What really sucks? Getting OUT of debt. Lawd it's horrendous!
My advise; avoid debt like the plague and if you are already there, take the next 12mths living like a pauper to get from under it; stop creating new debt IMMEDIATELY and make a permanent decision to spend less and save more.