Avoid (or pay off) debt. The best debt prevention is to live within your means, but if you currently have debt, don’t despair. No matter how daunting the current situation is or how long it takes, God is able to help you get out of debt.
Paying off debts, whether small or large, requires a plan, commitment, and sacrifice. And depending on the amount of debt, you may need to get fairly aggressive with your approach. If your goal is to save money toward your future, becoming debt-free becomes of paramount importance, as many types of debt come with high interest rates. It will be very difficult, if not impossible, for you to strengthen your financial position and put money into savings if you have outstanding debts to pay off. Not to mention the sense of relief and freedom you will have when you are debt-free.