People usually dig themselves into a financial hole by their spending habits. If your debts keep piling up, you need carefully to examine your spending habits and make some corrections. If you follow these 10 ways to get out of debt and stay out, you should be able to dig your way out of the negative financial hole. 1.    Plan a spending budget: Living above your means is unsustainable and will eventually bring you down. You cannot work for average wages and expect to live as if you are rich.  Plan a budget based on your take home pay and stick with it. Remember, it is not necessarily how much…