Staying out of debt requires eliminating frivolous spending, like shopping for wants instead of needs and formulating a budget. Remain debt free by resisting spending urges and using coupons with tips from a certified public accountant and credit counselor in this free video on debt management. Expert: Jerrie Guthrey Bio: Jerrie Guthrey has been a certified public accountant and credit counselor since 1992. Filmmaker: Jack Guthrey