Splurging on products and services could be lots of fun initially. However, spending beyond what one can afford, without considering how they are going to pay it back, could become problematic. One may try to get out of debt quickly—a good thought that may take a lot of work. However, when trying to clear dues, a person should avoid making these common mistakes as it could otherwise worsen their financial situation. Sticking to the same spending habits Some people who are in debt start paying off their dues regularly. At the same time, they also spend at cafes or other establishments. While it may look like they are improving their financial situation, it is not the case. So, one should break away from their excessive spending habits. For instance, instead of splurging on expensive coffee outdoors, one could brew it fresh at home. Not creating a financial plan Trying to get out of debt requires a financial plan. This plan should reserve money for necessities like healthcare, transportation, food, housing, education, and insurance. From the balance funds, one could create room to pay their debt. Individuals should also consider getting rid of credit cards. Doing so would make one think twice as they have to pay cash for dining outdoors, movies, purchases, and other things.