Rebecca GramugliaSpecial to Valley NewsAnd according to a recent survey from TopCashback.com, a cashback site, 64% of Americans are starting 2021 with credit card debt.Whether they went over budget on holiday shopping or they want to get ahead of their finances this year, these five tips can help people to tackle debt.Cut back on frivolous spending.Take the time this new year to reset and curb any unnecessary spending that you may have indulged in. Whether it’s ordering takeout multiple times a week, online shopping constantly or anything in between, make it a point to identify these spending habits and limit them this coming year. And of course, a treat once in a while is OK, too. Pro tip: Hold yourself accountable by enlisting a money buddy or significant other to h
