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Managing Debt and Expenses
Create a budget and stick to it to avoid overspending.
Prioritize your debts and pay off high-interest debts first.
Consider debt consolidation to simplify your payments and lower interest rates.
Negotiate with creditors to lower interest rates or set up a payment plan.
Cut back on unnecessary expenses, such as eating out or subscription services.
Use cash instead of credit cards to avoid accumulating more debt.
Build an emergency fund to cover unexpected expenses and avoid going into debt.
Monitor your credit score and report any errors to improve your creditworthiness.