Which of the following actions is NOT recommended for getting out of debt?

Applying for multiple credit cards is not a recommended action for getting out of debt because it can lead to a cycle of increased debt and financial instability. When an individual applies for multiple credit cards, they may be tempted to use them excessively, which can contribute to a higher debt load instead of alleviating it. Additionally, this action can negatively impact one’s credit score due to numerous inquiries and the increase in available credit lines, making it harder to manage existing debt effectively.

In contrast, creating a budget helps individuals organize their finances, track their income and expenses, and identify areas where they can cut costs to allocate more funds toward debt repayment. Selling unneeded items provides extra cash that can be directly applied to debts, while finding a part-time job generates additional income that can also aid in paying down debt. These actions are proactive steps toward financial wellbeing and debt reduction, unlike taking on more credit through multiple applications.