It’s easy to get into debt but it’s not so easy to get out of it. Most people innocently spend money they’ve borrowed thinking it won’t be too much of a strain to pay it back. They never think about the things that could go wrong, like job loss or increased rates of interest. If you’re struggling for ways to get out of debt, take a look at the tips for a five-year plan below. Stop Spending The key to getting on the right track with your debt is to stop creating more debt. You’ll never be debt free if you aren’t willing to stop debt in its tracks. That…