My husband and I have been doing a lot of research on how to become debt free and stay debt free!
#1 Create an Emergency fund of $1,000 so you do not have to use credit.
#2 Pay off your credit card debt as quickly as you can and do not use credit ever again!
#3 Do not buy things you can't afford. Save the money and pay cash.
#4 Start a real savings plan and have three- six months income in reserve in case of job loss or health issues.
This is just the beginning! If you follow these steps you will become debt free and on your way to retirement!