It’s no secret that debt is a rapidly growing problem. Times are tough out there, and more and more families are taking on debt to make ends meet.
We hear you. But if mounting debt is causing you to stress and fall behind financially, it’s time to take action.
That’s why we’ve put together a list of 8 tactics you can use to kickstart your debt-free journey today to get back on track.
1. Ask These Companies To Pay Off Your Credit Cards & Loans
One of the hardest parts about dealing with debt is how it can snowball out of control. Missed payments and high interest rates can make it impossible to pay down your principal and make any meaningful progres.
Thankfully, there are numerous and nationwide debt relief companies that are here to help if you have $10,000 or more in debt like credit card bills or personal loans.
These companies specialize in helping people become debt-free as quickly as 12 to 48 months. And they’re helping people reduce their monthly payments by 40-60% in many cases.
Getting started is free and just requires inputting a bit of information about your debt. From there, you can work with a qualified debt specialist to work on a consolidation plan that works for you.
With this strategy, you’ll have just one lower monthly payment to tackle instead of several higher-interest ones. Plus, you have the peace of mind that experts are on your side helping you work towards financial freedom.
See if you qualify for quick debt relief!
2. Cover Your Grocery Bills By Sharing Your Opinion
Food prices have gone up across the board. But the last thing you want to do in your debt-free journey is to cut back on nutrition.
Luckily, you don’t have to. Instead, you can become a member of this leading survey panel and begin getting paid for sharing your opinion.
This website is helping millions of people around the world earn money from the comfort of their own home. In fact, members are earning $21 per day on average, just by completing short surveys and other tasks like playing games or watching videos.
Making $21 a day is over $600 a month; the perfect amount to cover expenses like groceries and gas.
The best part? Signing up is free and just takes your email. Once you’re a member, you can access 100+ earning opportunities and get paid daily.
3. Borrow $25,000+ To Crush Your High-Interest Debt
Looking for some quick cash to pay off painful high-interest debt?
In this case, borrowing money can sometimes provide a solution. This is the exact tactic that many leading debt consolidation companies use, and people are using this strategy to save thousands of dollars in interest payments.
After all, if you qualify for a low-interest loan, that money can be used to pay off much higher interest debts like credit cards or medical bills. In the long run, you can save an enormous amount in interest payments and become debt free that much sooner.
See if you qualify for a loan offer here and compare interest rates to make sure you’re on the right track.
4. Boost Your Weekly Income With A New Side Hustle
A side hustle is one of the best tools for becoming debt free. This is because the extra income you earn each week can go towards your highest interest debt right away.
We also have great news: it’s never been easier to start a new side hustle that actually pays you like clockwork. Here are some of our favorites:
- Branded Surveys: Get free PayPal cash just for completing short online surveys.
- Solitaire Cash: Play games on Solitaire on your phone and win real cash prizes.
- Survey Junkie: Another leading survey site that pays $55,000+ per day to members.
- InboxDollars: Get an instant $5 sign up bonus and make money by watching videos and playing games!
These are just a few examples of ways you can start earning more money today. And even an extra $500 a month works out to $6,000 a year in extra income. Not too shabby!
5. Finally Create A Budget That Works For You
It’s no surprise that we’re big fans of budgeting at The Budget Diet. And when it comes to becoming debt free quickly, budgeting is an absolute necessity.
But creating a budget that actually works for your unique situation can be tricky. Without the right gameplan, however, it’s hard to curb overspending and to begin saving money each month.
Thankfully, budgeting doesn’t have to be rocket science anymore thanks to You Need A Budget.
YNAB is a leading budgeting app that makes sure every dollar you earn has a purpose. It helps you create a budget automatically based on your spending history and your desired savings goals. Plus, it’s super simple to use and even has a 34-day trial to test it out.
According to its website, members save $600 in their first 2 months and a whopping $6,000 in their first year by using YNAB. So, quit overspending and get a budget that actually works for you.
6. Earn Free PayPal Money Just By Downloading Apps
How does a steady stream of free PayPal payments sound?
Pretty sweet, right? Well, you can turn this idea into reality by becoming a member of Kashkick.
Kashkick is a free rewards platform that pays you for completing tasks like online surveys. But it also pays you to download and try out new games and apps in your spare time.
These download offers can pay anywhere from a few dollars to $50+ depending on the offer. This is a fun way to test out new games and products. But you actually get paid real cash for your efforts!
Once you earn $10, Kashkick pays you right to PayPal. You can then use this extra cash to cover some of your bills or chip away at your debt to become free that much faster.
Start earning rewards with Kashkick!
7. Save $100+ Per Month With This Reward App Stack
A penny saved is a penny earned as they say. And we love applying this philosophy to becoming debt free faster.
Budgeting is the best way to get started like we mentioned. But another easy tactic you can implement involves using reward apps that help you save money with coupons and cash-back deals:
- Bridge Money: Earn passive income whenever you shop!
- P&G Good Everyday: Find coupons and exclusive discounts to leading household brands.
- Swagbucks: Earn free gift cards with surveys, game offers, and by shopping online.
Again, every little bit counts. So stop overpaying and make sure you’re always maximizing each dollar you spend.
👉 9 Clever Ways To Supplement Your Income Today.
8. Put An End To Expensive Internet & Phone Bills
If it’s been more than a year since you’ve called your phone or internet provider, there’s a good chance you’re overpaying.
The same thing goes for canceling unused subscriptions…these kinds of expenses have a way of slipping through the cracks, eating away at savings for years to come.
This ends today. And if you want a helping hand with reducing unnecessary expenses, we suggest checking out the Rocket Money app for Android and iOS.
This all-in-one money app helps you reach your budgeting goals in a few ways. For starters, it can detect unused or overpriced subscriptions you pay for each month and help you cancel them.
The savings don’t stop there. If you upgrade to the Premium Plan for $4 a month, you get to work with Rocket Money’s Cancellation Concierge team.
This team contacts your major service providers like phone and cable companies and negotiates better rates on your behalf. Rocket Money does all of the work for you, so you never have to pick up the phone.
It’s like having a money-saving assistant in your pocket. So, download the app for free to test it out! We suggest going for the Premium Plan to unlock as many savings as possible, and Rocket Money has already helped 1+ million people reduce their spending.
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Final Thoughts
If you want to become debt free fast, we hope this list of shortcuts helps you get on the right track.
Ultimately, becoming debt free often requires saving more money while making more at the same time. And while this financial combo might seem difficult, it's certainly possible if you take the right steps.
All you need is a gameplan and consistency. With some effort and optimism, you'd be amazed at how you can change your financial future in a short amount of time.
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👉 12 Proven Ways To Make Money Online.
Note: Solitaire Cash games aren't available in these states: AZ, IN, IA, LA, ME, SC, MT, and WA.
