This week’s top story: 2022 mortgage applicants sought larger loans, faced deeper debt. In other news: 5 roadblocks to improving credit, reframe gift traditions, and a passport renewal by mail.

2022 Mortgage Applicants Sought Larger Loans, Faced Deeper Debt
A look at 2022 mortgage application data from the Consumer Financial Protection Bureau shows some of the initial effects of these higher-and-higher rates.

Knock Down These 5 Roadblocks to Improving Credit
A new NerdWallet survey finds that half of Americans have barriers to improving their credit. Here’s how to get past them.

One Way to Reduce Holiday Stress: Reframe Gift Traditions
Consider ways to make gift-giving with family and friends a smaller and less expensive part of the holidays.

Do I Have to Renew my Passport by Mail?
Most passports can only be renewed by mail. That might be convenient for some — and stressful for others.