There are numerous spending habits which can lead you into debt. Some creditors lure you into spending more than you have by promising low-interest rates others offer minimum payment options. If you are guilty of having bad credit and want to fix it, then you need to fix the habits which cause it. A lot of people choose to make minimum payments on their credit cards, but it does not mean you are getting out of debt. Minimum payments are usually calculated to be about 5% of your outstanding balance which means you are staying in debt for longer because of the accruing interest adding on each month. Next time you check your bank statement, remember that you owe the balance not the minimum payment. The solution to all these bad financial habits is, first of all, to recognize that you have a problem. Unless you realize your spending behavior needs to change-you will find yourself sabotaging your financial stability. You can either get help from a professional or make a financial plan for yourself which describes your pathway to become debt free.Understanding that you are ultimately responsible for hurting your chances of financial stability just might be the kick you need to get yourself out of debt.