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weihnachtsmotive schwarz 2024 Christmas new year symbols Black and White Stock Photos & Images : As the days left in 2023 wind down, some Americans may reflect on the year with a hopeful eye toward 2024. For millions of Americans, inflation and elevated interest rates have hurt their finances . While 2024 is shaping up to be a better year for the housing market in many respects, a lot of buyers are still going to struggle to find affordability. If you’re planning to buy a house next year .