Everyday spending can create debt long before someone makes a huge purchase. A coffee here, a subscription there, a bill charged to a credit card, and suddenly next month’s paycheck already has assignments.
The problem rarely starts with one outrageous splurge. More often, debt slips into the routine because a payment method makes today’s purchase feel cheaper than it really is. These five money moves can turn ordinary expenses into obligations that follow you into the next billing cycle.
