2. Change Your Lifestyle

Falling into debt and remaining in that frustrating cesspool is probably closely related to your lifestyle. The way you spend your days and weekends, when you’re free to shop and how/where you do it, all affects the amount of debt you carry. So try and make healthy changes to your lifestyle so you have less time to splurge and more opportunities to save. This may not be easy to do, but in the long run, will keep you financially stable.