How To Avoid Falling Back Into Debt
Alan Williams 
If you've done all this and are now leaving the debt trap, it can be tempting to fall back in. Because leaving debt gives you a great credit score, and a great credit score allows you to borrow even more money, a lot of people fall back into the debt trap the moment they leave it. For the most part, this regression is psychological, not financial.
People who fall back into debt do it for many reasons, but the most common is the attractiveness of debt. Debt may sound like a bad thing to most people — but it's still money.
And to some people, it's just as good as free money because their present selves don't have to bother paying it. That financial liability is left for their future selves to deal with.
I'm going to be straight with you.
The very best way to avoid sliding back into debt is to make more money and we’ll talk about that in a minute.
However, if you can't do that, there are a few tips that will stop you from sliding straight back into debt. The first is to get rid of credit cards you no longer use.
As you leave the world of debt, you may be tempted to close down your credit accounts — but that could damage your credit score. To keep your score active and still stay away from credit card debt, do the smart thing and cut those cards up.