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For every chunk payment we make toward our credit card debt, there seems to be some unforeseen expense waiting to equalize it. And then we’re right back where we started — just making our monthly minimum payments while our credit card company gets rich.

It’s time to take a different approach and finally pay down our balances for real this time. So we’ve rounded up some of our favorite tips and tools to help you do just that.

We recommend combining at least a few of these ideas below to really make a difference in crushing your debt.

1. Stop Paying Your Credit Card Company

OK, we know this sounds counterintuitive, but hear us out. You’ve got debt you carry around every month, but a website called Fiona could help you pay off that bill as soon as tomorrow — and stop paying your credit card company.

Here’s how it works: Fiona can match you with a low-interest loan you can use to pay off every credit card balance you have. The benefit? You’re left with just one bill to pay every month, and because the interest rate is so much lower, you can get out of debt so much faster. Plus, no credit card payment this month.

If your credit score is at least 620, Fiona can help you borrow up to $250,000 (no collateral needed) with fixed rates starting at 5.99% and terms from 6 to 144 months.

Fiona won’t make you stand in line or call a bank. And if you’re worried you won’t qualify, it’s free to check online. It takes just two minutes, and it could save you thousands of dollars. Totally worth it.

All that credit card debt — and the anxiety that comes with it — could be gone by tomorrow.

2. Ask This Company to Reduce a Big Chunk of Your Credit Card Debt 

Not trying to be dramatic, but card debt is like a dark, suffocating abyss that swallows your finances and leaves you feeling trapped and helpless. 

So, what if you could just… get rid of credit card debt that’s weighing you down? 

A company called Freedom Debt Relief could help you do just that. Its negotiators could work directly with your credit card companies to reduce your overall credit card debt.

It’s free to talk with a Freedom Debt Relief debt consultant to determine the best strategy for your situation. You’ll need to show why you’re struggling to make your payments and tell them a little bit about your finances. 

Then, Freedom Debt Relief will work out just how much of your debt they could reduce — they’ve already helped over 850,000 people settle over $15 billion in debt. 

Once enrolled in the program, Freedom Debt Relief will negotiate a settlement with your creditor, and if you approve the offer they come back with, you’ll pay off that reduced balance though a monthly program deposit.

It’s free to see just how much of your debt you can get rid of. 

3. Stop Overpaying for Home Internet. Cut Your Bill to as Low as $30/Month

There are some bills you just can’t avoid. For most of us, that includes our internet bill. You can’t exactly go without it these days, and your provider knows that — that’s why so many of us are overpaying. 

But with T-Mobile, you can get high-speed, 5G home internet for as little as $30 a month. They’ll even guarantee to lock in your price. 

You’re probably thinking there’s some catch, but they’ll let you try it out for 15 days to see if you like it. If not, you’ll get your money back. You don’t even have to worry about breaking up with your current provider — T-Mobile will pay up to $750 in termination fees.

Even better? When you switch now, you’ll get $50 back via prepaid MasterCard.

Just enter your address and phone number here to see if you qualify. You could be paying as low as $30 a month for high-speed internet. 

4. No Offense, But You’re Probably Overpaying on Amazon

You try to be frugal. You’re not going on shopping sprees. But most of us do at least some of our regular shopping on Amazon. And a lot of us are overpaying, and it’s not exactly helping our debt situation. Wouldn’t it be nice if you got an alert when you’re about to overpay?

That’s exactly what this free service does. 

Just add it to your browser for free, and before you check out, it’ll check other websites to see if your item is available for cheaper. Let’s say you’re shopping for a new smart vacuum, and you assume you’ve found the best price. Here’s when you’ll get a pop up letting you know if that exact vacuum is available elsewhere for cheaper. If there are any available coupon codes, they’ll also automatically be applied to your order.

In the last year, this has saved people $160 million.

You can get started in just a few clicks to see if you’re overpaying online.

5. Let This App Spot You a Few Bucks When You Need It

It’s happened to all of us at some point — the dreaded overdraft. It’s not only embarrassing if your card gets declined at the grocery store over a few bucks, but the fees that come with it only put you further into the hole. Double yikes.

But a banking app called Chime wants to protect you from both of those problems with its SpotMe® feature1. It’s a fee-free overdraft protection that lets you overdraft up to $200 (for eligible members) without penalty.

Yep. Just sign up for a free Chime checking account and set up a qualifying $200 monthly direct deposit to take advantage of this face-saving tool. You’ll also get access to other sweet features, like getting paid up to two days2 earlier with direct deposit, help automatically growing your savings and access to more than 60,000 fee-free3 ATMs.

Signing up takes just a few minutes. You’ll need your Social Security number handy — but don’t worry, your information is protected by bank-level security, FDIC insurance and two-factor authentication.

6. Get $500 to Put Toward Your Debt for Trying Out Apps

When you’re carrying debt around each month, you’ll look for any spare cash you can throw at your balance. What if you could get $500 for something you’re already doing — like browsing Facebook; watching videos; downloading new apps?

With a website called KashKick, you could get paid for things like answering survey questions or downloading and playing a game — up to $500 in your first month.

You can also earn money by playing games, watching videos and reading emails, but surveys are the main way to make money.

Once you earn $10 in your account, you can immediately get paid via Paypal. This is an easy way to make a little extra money while you’re killing time on your couch. All you need is your phone or computer.

It takes just a minute to sign up, and you’ll immediately earn $1 just for completing your profile on the site. You’ll be that much closer to cashing out. 

7. Add $225 to Your Wallet While Watching the News

It’s been a historic year in the news, and we’re all constantly refreshing for the latest updates. You probably know more than one news-junkie who fancies themselves a foreign policy expert.

That might not be the best news for your dinner conversations — but it’s great news for your wallet. You could add up to $225 a month to your pocket by signing up for a free account with InboxDollars. They’ll present you with short surveys to choose from every day, which you can fill out while you watch tonight’s broadcast.

You just have to answer honestly, and InboxDollars will continue to pay you every month. This might sound too good to be true, but it’s already paid its users more than $56 million.

It takes about one minute to sign up, and start getting paid while you watch the news

8. See If You Can Get Car Insurance For as Low as $19/Month* 

Anything you can do to cut down on expenses will help you get ahead on your debt payments. When was the last time you compared car insurance rates? Chances are you’re seriously overpaying with your current policy. 

If it’s been more than six months since your last car insurance quote, you should look again. 

And if you look through a website called CheapRatesOnline, you could save yourself up to $500 a year*. 

It takes just two minutes to answer some questions, and CheapRatesOnline’s smart matching technology will show you the insurance providers that are the best fit for you. And don’t worry — CheapRatesOnline uses advanced data security and encryption technology, so all your details are safe. 

The website is free to use and can even save you up to an additional 20% if you add another vehicle to your policy. You could be paying as little as $19 a month* for car insurance.

CheapRatesOnline has already helped millions of people find affordable car insurance. See how much money you could save with a new policy.

*average expenditure $88/mo. 

9. Earn up to $69/Hour Working From Home

We get it. There are kids to drop off at school, errands to run and dinner to cook, so the idea of getting a full-time job without any flexibility just doesn’t work for a lot of people. But what if you could start earning $69 per hour from home? That’d go a long way toward getting out of debt. 

Have you considered bookkeeping? It’s the No. 1 most profitable business, according to an article in Inc Magazine.

And you could earn up to $69 an hour by starting your own bookkeeping business, according to Intuit, the creator of QuickBooks.

You don’t have to be an accountant or good at calculus to be successful at bookkeeping. As long as you’re motivated, a company called Bookkeepers.com will teach you everything you need to know. It’s one of the leading training courses in the field, and it even gives you the first three classes for free.

It’s helped thousands of people launch their own businesses, including Daniel Honan, a military veteran and former painter. He never considered starting his own company, but he signed up for Bookkeepers.com, and now he’s making $50,000 a year.

It only took him three months to get started, taking one class a week. Oh, and he makes his own schedule, earns up to $69 an hour and is able to spend more time with his wife than ever.

If you’re just a little curious, you just have to submit your email address here to take the first free class. If you stick with it, you could be running your own business in just a few months.

1. Stop Paying Your Credit Card Company

OK, we know this sounds counterintuitive, but hear us out. You’ve got debt you carry around every month, but a website called Fiona could help you pay off that bill as soon as tomorrow — and stop paying your credit card company.

Here’s how it works: Fiona can match you with a low-interest loan you can use to pay off every credit card balance you have. The benefit? You’re left with just one bill to pay every month, and because the interest rate is so much lower, you can get out of debt so much faster. Plus, no credit card payment this month.

If your credit score is at least 620, Fiona can help you borrow up to $250,000 (no collateral needed) with fixed rates starting at 5.99% and terms from 6 to 144 months.

Fiona won’t make you stand in line or call a bank. And if you’re worried you won’t qualify, it’s free to check online. It takes just two minutes, and it could save you thousands of dollars. Totally worth it.

All that credit card debt — and the anxiety that comes with it — could be gone by tomorrow.

2. Ask This Company to Reduce a Big Chunk of Your Credit Card Debt 

Not trying to be dramatic, but card debt is like a dark, suffocating abyss that swallows your finances and leaves you feeling trapped and helpless. 

So, what if you could just… get rid of credit card debt that’s weighing you down? 

A company called Freedom Debt Relief could help you do just that. Its negotiators could work directly with your credit card companies to reduce your overall credit card debt.

It’s free to talk with a Freedom Debt Relief debt consultant to determine the best strategy for your situation. You’ll need to show why you’re struggling to make your payments and tell them a little bit about your finances. 

Then, Freedom Debt Relief will work out just how much of your debt they could reduce — they’ve already helped over 850,000 people settle over $15 billion in debt. 

Once enrolled in the program, Freedom Debt Relief will negotiate a settlement with your creditor, and if you approve the offer they come back with, you’ll pay off that reduced balance though a monthly program deposit.

It’s free to see just how much of your debt you can get rid of. 

3. Stop Overpaying for Home Internet. Cut Your Bill to as Low as $30/Month

There are some bills you just can’t avoid. For most of us, that includes our internet bill. You can’t exactly go without it these days, and your provider knows that — that’s why so many of us are overpaying. 

But with T-Mobile, you can get high-speed, 5G home internet for as little as $30 a month. They’ll even guarantee to lock in your price. 

You’re probably thinking there’s some catch, but they’ll let you try it out for 15 days to see if you like it. If not, you’ll get your money back. You don’t even have to worry about breaking up with your current provider — T-Mobile will pay up to $750 in termination fees.

Even better? When you switch now, you’ll get $50 back via prepaid MasterCard.

Just enter your address and phone number here to see if you qualify. You could be paying as low as $30 a month for high-speed internet. 

4. Get Paid Up to $140/Month Just for Sharing Your Honest Opinion

It sounds strange, but brands want to hear your opinion. It helps them make business decisions, so they’re willing to pay you for it — up to $140 a month. That would be a nice chunk of extra change to put toward your credit card balance.

A free site called Branded Surveys will pay you up to $5 per survey for sharing your thoughts with their brand partners. Taking three quick surveys a day could earn up to $140 each month.

It takes just a minute to create a free account and start getting paid to speak your mind. Most surveys take five to 15 minutes, and you can check how long they’ll take ahead of time. 

And you don’t need to build up tons of money to cash out, either — once you earn $5, you can cash out via PayPal, your bank account, a gift card or Amazon. You’ll get paid within 48 hours of your payout being processed, just for sharing your opinions.

They’ve already paid users more than $20 million since 2012, and the most active users can earn a few hundred dollars a month. Plus, they’ve got an “excellent” rating on Trustpilot.

It takes just a minute to set up your account and start getting paid to take surveys. Plus, right now, you’ll get a free 100-point welcome bonus just for becoming part of the community.

5. Let This App Spot You a Few Bucks When You Need It

It’s happened to all of us at some point — the dreaded overdraft. It’s not only embarrassing if your card gets declined at the grocery store over a few bucks, but the fees that come with it only put you further into the hole. Double yikes.

But a banking app called Chime wants to protect you from both of those problems with its SpotMe® feature1. It’s a fee-free overdraft protection that lets you overdraft up to $200 (for eligible members) without penalty.

Yep. Just sign up for a free Chime checking account and set up a qualifying $200 monthly direct deposit to take advantage of this face-saving tool. You’ll also get access to other sweet features, like getting paid up to two days2 earlier with direct deposit, help automatically growing your savings and access to more than 60,000 fee-free3 ATMs.

Signing up takes just a few minutes. You’ll need your Social Security number handy — but don’t worry, your information is protected by bank-level security, FDIC insurance and two-factor authentication.

6. Get $500 to Put Toward Your Debt for Trying Out Apps

When you’re carrying debt around each month, you’ll look for any spare cash you can throw at your balance. What if you could get $500 for something you’re already doing — like browsing Facebook; watching videos; downloading new apps?

With a website called KashKick, you could get paid for things like answering survey questions or downloading and playing a game — up to $500 in your first month.

You can also earn money by playing games, watching videos and reading emails, but surveys are the main way to make money.

Once you earn $10 in your account, you can immediately get paid via Paypal. This is an easy way to make a little extra money while you’re killing time on your couch. All you need is your phone or computer.

It takes just a minute to sign up, and you’ll immediately earn $1 just for completing your profile on the site. You’ll be that much closer to cashing out. 

7. Add $225 to Your Wallet While Watching the News

It’s been a historic year in the news, and we’re all constantly refreshing for the latest updates. You probably know more than one news-junkie who fancies themselves a foreign policy expert.

That might not be the best news for your dinner conversations — but it’s great news for your wallet. You could add up to $225 a month to your pocket by signing up for a free account with InboxDollars. They’ll present you with short surveys to choose from every day, which you can fill out while you watch tonight’s broadcast.

You just have to answer honestly, and InboxDollars will continue to pay you every month. This might sound too good to be true, but it’s already paid its users more than $56 million.

It takes about one minute to sign up, and start getting paid while you watch the news

8. See If You Can Get Car Insurance For as Low as $19/Month* 

Anything you can do to cut down on expenses will help you get ahead on your debt payments. When was the last time you compared car insurance rates? Chances are you’re seriously overpaying with your current policy. 

If it’s been more than six months since your last car insurance quote, you should look again. 

And if you look through a website called CheapRatesOnline, you could save yourself up to $500 a year*. 

It takes just two minutes to answer some questions, and CheapRatesOnline’s smart matching technology will show you the insurance providers that are the best fit for you. And don’t worry — CheapRatesOnline uses advanced data security and encryption technology, so all your details are safe. 

The website is free to use and can even save you up to an additional 20% if you add another vehicle to your policy. You could be paying as little as $19 a month* for car insurance.

CheapRatesOnline has already helped millions of people find affordable car insurance. See how much money you could save with a new policy.

*average expenditure $88/mo. 

9. Earn up to $69/Hour Working From Home

We get it. There are kids to drop off at school, errands to run and dinner to cook, so the idea of getting a full-time job without any flexibility just doesn’t work for a lot of people. But what if you could start earning $69 per hour from home? That’d go a long way toward getting out of debt. 

Have you considered bookkeeping? It’s the No. 1 most profitable business, according to an article in Inc Magazine.

And you could earn up to $69 an hour by starting your own bookkeeping business, according to Intuit, the creator of QuickBooks.

You don’t have to be an accountant or good at calculus to be successful at bookkeeping. As long as you’re motivated, a company called Bookkeepers.com will teach you everything you need to know. It’s one of the leading training courses in the field, and it even gives you the first three classes for free.

It’s helped thousands of people launch their own businesses, including Daniel Honan, a military veteran and former painter. He never considered starting his own company, but he signed up for Bookkeepers.com, and now he’s making $50,000 a year.

It only took him three months to get started, taking one class a week. Oh, and he makes his own schedule, earns up to $69 an hour and is able to spend more time with his wife than ever.

If you’re just a little curious, you just have to submit your email address here to take the first free class. If you stick with it, you could be running your own business in just a few months.

*Chime: 

1 Eligibility requirements apply. Overdraft only applies to debit card purchases and cash withdrawals. Limits start at $20 and may be increased up to $200 by Chime. See chime.com/spotme.

2 Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

3 Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

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