It's not secret that in order to stay out of debt is to stop creating new debt, right?
One trick is to not even tempt yourself by taking a credit card with you when you go to the store, mall, restaurant, etc. Cash and your debit card is just fine. “But I don't want to restrict myself!” Well, you don't want to be in debt either; which one is more important?
Discipline is the secret sauce to financial success.
Hope this helps!
