There two main reasons most people fail to get out of debt.
1. The don't have the personal commitment it takes to make it happen.
2. The don't get their excessive spending habits under control to fit a standard of living that they cannot afford.
People who stay in debt usually continue to write checks and make charges on their credit cards without any thought of how they are going to pay for it. They generally become obsessed with doing whatever it takes to maintain their perceived high standard of living with out the thought of the long term consequences of their actions. Most people would rather not think about the long term. Once you get used to your short-term standard of living, you will get caught up in a vicious circle. Your short-term debt gets bigger and bigger, and their long-term financial needs get farther and farther way.
If this sounds like you. You need to start looking at the long term.
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