Smart Spending Tips discusses the impact of worsening 2024 credit conditions for consumers. Often, the worst enemy of financial responsibility is denial. People compound financial problems by ignoring them for as long as possible. This is like ignoring a flashing red warning light on your car’s dashboard. Failure to deal with it can lead to a serious breakdown. The recent trend in credit conditions suggests that financial warning signs may be flashing for many consumers as 2024 begins. The difference between survival and disaster may come down to whether you deal with the problem on time or try to ignore…