One of the important ways to stay out of debt is to actually learn how people get into debt by accident. Before grabbing the credit card you should learn what all of your debt relief options are before automatically charging it to the credit card.  Although there are several ways to get into debt the most common method of acquiring debt is due to an emergency or some other unforeseen mishap that causes you to whip out a credit card and pay to have the issue taken care of.  Another common way to acquire debt is through health care emergencies. » Read more: How to Get Deeper Into Debt