Debt can control your financial life, but January is a great time to reset. Experts suggest reviewing your credit report, catching errors, and disputing inaccuracies to improve your credit score. Tracking spending, automating payments, and setting a budget can help pay down debt faster. Small wins build confidence for long-term success. Consider a spending freeze to redirect money towards debt and break bad habits.

Read more at Yahoo Finance.: 5 ways to start the new year with less debt, according to experts