What do I do if I recognize a downward spiral?

What do I do if I recognize a downward spiral? I want to start out by saying I don’t want any judgement please, I know I’ve made some stupid choices and I’ve owned up to them, I’m now asking how to fix them. Me and my fiancé bought our first house this time last year and it started a downward spiral. We were used to $500 rent, not a $1000 mortgage. We spent money on credit cards to furnish t...

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