Getting out of debt and staying out of debt is not easy. Chances are, you’re reading this article because you’ve already amassed a fair amount of debt and are thinking it will be impossible to ever get out from under it all.It’s important to understand that the credit card companies don’t allow you to pay back your debt in small amounts out of the kindness of their hearts. This is how they make their money. Paying the minimum payment (usually around 2% of your balance) each month, guarantees that you will be filling the credit card company’s cash coffers with your hard-earned money for many years to come.Avoiding debt is a lifestyle, not a temporary decision , Never make minimum credit card payments; those are desgined to keep you in debt! Only buy expensive items that depreciate over time if they are absolutely necessary .If you want to get out of debt, there are some things you need to do. First of all you need to understand what is the called the exponential curve. It is a very simple thing, but it works like this. What I call it is the law of use. Jesus Christ made it clear, you take what you’ve got and you use it. The law of compound interest coupled with the law of use will lead to amazing things.The other thing that is so important, which we’ve mentioned many times before, is the law of reciprocity that says give and it will be given unto you. These are principles that God has put in his word. If you take what you’ve got and use it, you will have more. And he who thinks he’s got something, even what he thinks he’s got will be taken away from him if he doesn’t use it. Now the other thing is to give and it will be given unto you.