Debt has a way of quietly controlling your financial life. It can put pressure on your budget, making other goals (like saving and investing) feel harder than they should. Thankfully, January can be a great time to reset your financial habits and make meaningful progress on paying down your debt. Even small changes early in the year can lead to significant progress by the time next December rolls around. We spoke with financial experts about practical ways to pay down debt early and avoid carrying it thr ...