You are so ready to get out of debt. That would be so sweet, wouldn’t it? But you feel like you’ve tried it all. And wherever you look, your debt is still there, affecting almost every area of your life.
Well, we’ve got a ton of strategies you probably didn’t know you could use to help you pay for it.
1. This website can help you pay off that debt.
Imagine waking up with no credit card debt. Impossible, right? Actually, with the help of a free website called AmOneyou could pay off all your credit card debt by the end of the week.
It will pair you with a low-interest loan to pay off all of your credit cards at once. Their interest rates start at 3.49 percent, well below the 20 percent or more you’re likely to pay your credit card company. That could save you thousands in the long run.
In addition, you will be debt free that Too much faster.
AmOne keeps your information confidential and secure, which is probably why after 20 years in business, it still has an A+ rating with the Better Business Bureau.
It takes two minutes to see if you qualify for up to $50,000 online.
2. Get paid up to $225 per month to watch videos.
What if we told you that a research company would pay you to watch cooking videos on your computer? It sounds too good to be true.
However, we are serious. InboxDollars will pay you to watch short video clips online. One minute you can watch someone bake brownies, and the next you can get the latest updates on the Kardashian drama.
All you have to do is choose which videos you want to watch, and then answer a few quick questions about them.
InboxDollars won’t replace your full-time job, but it’s an easy thing to do when you have a few minutes to spare. In addition, it is extra money that you can use to pay off your debt. Everything helps.
InboxDollars won’t pay off your credit cards, but it’s possible to earn up to $225 a month by watching these videos.
It has already paid its users more than 56 million dollars.
It takes about a minute to register, and immediately get $5 bonus to get started
3. Cancel your expensive car insurance.
The so-called “experts” will scold you and tell you to cut all unnecessary purchases out of your life so you can pay off debt. The fancy cafe. The avocado toast. Dinner out. They will even make you feel guilty about it.
Oh, the avocado toast. Starbucks latte. The horror, the horror!
Of course it is important to limit your entertainment expenses. But the truth is, when it comes to cutting costs, you have more important things to fry, like your car insurance.
You’ve probably been overpaying thousands of dollars for your brand coverage over the last few years. But a company called Gabi wants to fix that by contacting 40 different companies on your behalf.
Gabi has relationships with insurance companies to make sure they stop ripping you off. In fact, he can keep the same coverage he already has and get an average refund of $961 in his bank account this year.
Just imagine what that could do for your debt payments.
You don’t have to make calls or fill out forms. It takes two minutes to look how much gabi you can put back in your pocket. And the best part? You will never have to think about this again. Gabi will continue to do it for you, for free.
4. Drastically reduce your mortgage payments.
Interest rates are at record lows these days, making it the best time to consider refinancing your mortgage. And guess what? You don’t even have to leave your house to do it, and it could save you thousands of dollars.
Go to an online lender we know called Figurewhere you can complete your application for a new loan in as little as 10 minutes.
If you plan to stay in your current home for a while, it might be worth it. Over the life of a 15- or 30-year mortgage, a lower interest rate mortgage could save you tens of thousands of dollars.*
Figure offers mortgage loans up to $1.5 million. It’s worth noting that your credit score should be at least 640. If you have equity in your home, you can also “cash out” — replace your existing mortgage with a new one for more than you currently owe.
If you’re not sure you’re ready to commit to refinancing, you can always get a free quote. It never hurts to explore your options, and getting a quote won’t hurt your credit score.**
5. See how much money you can make from this company.
Extra money is good, right? But if you’re not using the Aspiration debit card, you’re missing out on that extra money. Yes: a debit card called Aspiration It pays you back up to 5 percent every time you swipe.
Do you need to buy groceries? Extra money. Do you need to fill the tank? bam. Even more extra money.
You were going to buy these things anyway, why don’t you get this extra money in the process and use it to pay off your debt?
enter your email address here and link your bank account to see how much extra money you can earn with your free Aspiration account. Don’t worry; your money is insured by the FDIC and under military-grade encryption. That’s nerd talk for “this is totally safe”.
6. Quit your job. He still earns $64 an hour.
You could probably pay off the debt a lot faster if you were making $60 an hour or more. And the bonus? You can do this job from home.
Those are the advantages of working as an accountant, says ben robinson, a certified public accountant and business owner who teaches others to become virtual bookkeepers.
You don’t need to be an accountant or even very good at math to be successful in this business. In fact, all you need is decent computer skills and a passion for helping business owners tackle real-world problems. The ability to stay moderately organized is also helpful.
It’s a great opportunity for parents who want a part-time job, recent college graduates, and anyone who wants to earn real money working from home.
Robinson shares what it takes to be a virtual bookkeeper, plus tips for making this career work for you, at his free class at Bookkeeper Business Launch.
7. Stop spending so much money on home insurance.
You are probably wasting money right now. And it’s probably something he would never expect: his homeowner’s insurance policy.
This is not something you actively think about. You just know you’re bound to have it, so you keep it forever, right?
Wrong. The problem is, you’re paying too much and that money could go toward your debt. Fortunately, an insurance company called Lemonade makes it easy to know how much you’re overpaying.
Lemonade policies start at just $25 per month. And while you’re saving money, you’re not skimping on coverage. Lemonade will make sure you have what you need.
Single answer some questions about your house to start.
*Refinancing to a longer payment term may lower your monthly loan payments, but may also increase the total interest paid over the life of the loan. Depending on the amount of your withdrawal, your monthly payments may increase, even with a lower APR.
**To verify the rates and terms you qualify for, we’ll run a soft credit pull that won’t affect your credit score. However, if you go ahead and apply, we will request your full credit report from one or more credit reporting agencies, which is considered a hard credit pull and may affect your credit.
Figure Lending LLC is an Equal Opportunity Lender. NMLS #1717824 – NMLSCONSUMERACCESS.ORG Terms and Conditions apply. Visit Figure.com.
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This article was updated on August 19, 2022 at 10:30 am. It was originally published on December 13, 2020.