A new year has arrived, and many people realize they overspent during the holidays. They find themselves in the unenviable position of having a burdensome amount of debt hanging over their heads. If you are in this category, you are far from being alone. But you need to resolve to reduce your debt in 2022. To understand the magnitude of the debt held by the American people, take a look at statistics from the third quarter of 2021. At this time, total consumer debt was .96 trillion, and the average debt among consumers was ,727. The overall debt figure includes...

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