God has promised to supply all our needs but sometimes our definition of "needs" differs from His.  Getting into debt to live a lifestyle we cannot afford or maintain is not wise.  When you can't meet your financial obligations you "put yourself under the power of your lender" (Proverbs 22:7).

Becoming debt free involves making some very hard decisions and keeping to them.  The first thing you must do is follow the above biblical principle...don't let any debt remain outstanding.  Don't ignore or pretend the debts you owe to friends, family or credit card companies don't exist.  Pay something monthly ...no matter how little.  That's the honorable and godly thing to do.

Carefully examine your spending habits and track areas you spend unnecessarily.  Cut back, get rid of "stuff", control impulse spending and don't try to live like somebody else.  Honor God with everything...give Him the first and ...best (Proverbs 3:9 TM).  Don't be obsessed with getting more...things (Hebrews 13:5 TM).  Becoming debt free means changing the habits that got you into debt!  Is it easy?  No, but with discipline and God's help you can do it.