Learn how to shift your spending habits.

In 2008, American households carried $280 billion in debt. While debt dwindled in the following years, in 2017 the country hit another record — $13 trillion in household debt, including mortgages, car loans, credit card debt and student loans, according to the Federal Reserve Bank of New York. If you, too, are struggling with debt and you’re looking for some strategies to reduce what you owe, try implementing these smart money-management habits.

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9 Habits That Can Get You Out of a Deep Debt Hole originally appeared on usnews.com