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Debt can spiral fast, especially when bills stack up and income falls short. These smart moves can help you stop the damage and start digging out.

Advertising Disclosure: When you buy something by clicking links within this article, we may earn a small commission, but it never affects the products or services we recommend. Debt rarely starts with a crisis. It builds quietly — an unpaid bill here, a rising balance there — until it starts controlling your decisions. What once felt manageable now feels impossible to escape.