Getting out of debt is one of the most difficult tasks a person can face in their life, however the true challenge begins when you are out of debt.

Staying out of debt is a difficult task to accomplish because it is a never-ending process, unless you come across a source of money where you no longer have to worry about money.

There are various forms of debt; the debt I feel is the worst to carry is credit card debt. The reason for this is because you can easily control your spending on your credit card, you determine whether you make the purchase or not and as such control whether you go down the path of debt.

For me there are still reasonable debt to carry, such as a mortgage, which most people do get in order to purchase a home.

When you are getting out of debt, you require a plan. The plan is generally a budget you create to control your expenses.

If you continue to follow that budget, and even improve on it, you will not only be able to save more money than before but you will be able to stay out of debt in the process.

Remember, staying out of debt is probably one of the hardest tasks you will undertake, however once you set your mind of it there is nothing you cannot accomplish.