Getting into debt is always easier (and generally more fun) than digging your way out of it. You sure loved those little ankle boots when you bought them on credit (only $100 on sale!) but now that they’ve been sitting in your closet for three months, you’re beginning to wonder if they’re really worth the exorbitant amount of money you’ll end up paying in interest for them (you suddenly realize that they’ve cost you almost double what you thought…ouch).