5avg.rating 4 votes. Debt-Free Discipline It is definitely easier to get into than out of debt. A lot of people are having difficulties getting out of debt simply because they don’t want to change their lifestyle or spending habits. Credit card debt is incurred when people perpetually make purchases beyond their means and have no elaborate plan on how to pay-off their credit cards. The credit card companies capitalize on this and market their cards as easy to pay-off and easy to acquire. The truth is, the payments are only easy if you keep within reasonable limits. Once you overspend, [...] Read more ยป