You know, it’s so much easier to get into debt than it is to get out of it. It took my husband and I almost three years to pay off our credit cards and it wasn’t easy. We had to work really hard and I’m glad we did because we learned a valuable lesson. Not to spend money before we have it. It sounds super easy, but it can be really difficult when you want something right this minute. Just remember to be careful with personal debt or even business debt or you might hear from a commercial collection agency.