Getting into debt is easy but settling credit card debt isn’t. Debt happens when you say yes too many times to too many things. The solution is to start saying no. You cannot say no to everything, because you will still need gas, groceries and to pay your bills, but you can say no to the optional stuff. Rather than run a big bar tab, invite friends over for a drink and rent a movie. Rather than go out, spring for dinner supplies if someone else cooks. Little things will add up and you might just find you enjoy time with your friends a lot more than you realized.