Prevention is definitely better than a cure when it comes to debt. Debt is easy to get into but can be very hard to get out of.
The main ways to prevent debt are to build up savings, manage your money well, build up a passive income, and consider taking out some form of insurance and protection.
You should aim to build up 3 months worth of salary in savings. The best way of doing this is to put away around 10% of your income each month into a high interest account.
Make a list of all your outgoings and incomings each month, try to cut back where you can, then set yourself a budget and stick to it. This may seem a daunting task but can be very empowering and will enable you to see ways of saving money.
For further information see Debt Prevention.
Debt Consolidation Explained contains general information only. We strongly advise you to seek qualified professional advice before taking any action.