Use These 7 Shortcuts To Help Pay Down $5,000 or More in Debt

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*For rates and fees of the Blue Cash Everyday® Card from American Express, please visit www.americanexpress.com/us/credit-cards/card/blue-cash-everyday.


Debt (especially credit card debt) is an epidemic. And virtually everyone has it.

But if your debt is over $5,000, it becomes much harder to pay off … mostly because the interest payments on that amount prevent you from making any real progress.

So here’s what to do:

Read our list of “debt shortcuts” below and try to implement one today. Even doing just one could lift the burden and help pay off your debt a little faster.

1. Switch to a Cheaper Cell Phone Plan!

Many people overpay for cell phone services. Switching to a more affordable plan can free up funds to pay down debt.

2. Get Out Of $10,000 Or More In Debt

Credit card debt is suffocating. It constantly weighs on your mind and controls every choice you make. You can end up emotionally and even physically drained from it. And even though you make regular payments, it feels like you can never make any progress because of the interest.

This Debt Relief program is designed specifically to help you get out of credit card debt faster, without having to make drastic life changes. With this Debt Relief program, you could pay off your credit card debt (with potentially way less interest) in one simple monthly payment.

How to get this Debt Relief program to pay off your debt: Sign up for a free debt assessment here. (Do not skip this step!) By signing up for a free assessment, this Debt Relief program can immediately assist you in paying off your debt, but only if you schedule the assessment.



3. Create a Budget!

Track Your Spending: Identify where your money goes each month. Include fixed expenses (like rent/mortgage) and variable expenses (like groceries, entertainment).

Find Areas to Cut Back: Look for non-essential expenses you can reduce or eliminate.

4. Get personalized loan results (up to $100k) in under 2 minutes

If you have thousands in debt and you’re barely making it paycheck to paycheck, you know how suffocating it is. Debt is always on your mind. It controls your life. And even if you make on-time payments, they’re so expensive that you have nothing left over.

A personal loan could help you get out of this situation and lift your monthly debt burden significantly. You could finally pay off all of your debt at once, get rid of the sky-high interest rates, and slash your debt load to one manageable monthly payment.

NerdWallet is a marketplace where you can find personal loans of up to $100,000 with rates as low as 5.99%1 . That’s better than most credit cards. And easier than draining your bank account every month. Seeing what you qualify for doesn’t affect your credit score, and if you’re approved, you could get money the next day.



5. Get Free Samples Instead Of Spending Money

Are you tired of spending money on products that promise results but leave you empty-handed? Nugenix Total-T offers a smarter way to invest in yourself without breaking the bank.

Take control of your finances and accelerate your debt paydown journey with Nugenix Total-T's free samples. Experience the energy boost and mental clarity you need to stay focused on your financial goals, all without spending a dime.

It's time to stop wasting money and start investing in your future. Try Nugenix Total-T today and watch your debt shrink while your energy soars!

6. Don't Pay for Another Expensive Home Repair Ever Again - Save Your Money Instead!

It's always a disruption when appliances like ACs or washing machines break down. Worse yet, most of us can't afford to go out and replace or repair them on the spot, yet are forced to, since they are rarely covered by home insurance policies. They always seem to break down when we need them most, but next time, you don't need to pay out of pocket for anything...

Clever homeowners are using this new Home Warranty Program, and are saving thousands in the long run by protecting themselves against unexpected home repairs. All appliances you can think of are covered entirely by this program, and in many cases, they'll completely replace your appliance with a brand new one. Without paying a penny out of pocket or unexpectedly, you can save yourself the financial impact and inconvenience of future break downs.



7. CarShield – Save Thousands on Car Repairs!

Have you gone to the mechanic lately and been quoted something crazy? If your cars warranty doesn’t cover the repair or your coverage is expired, you’re going to have to pay out-of-pocket!

The core benefit of a CarShield policy is that it covers the cost of certain repairs and replacements that are not covered by the manufacturer's warranty once it expires. Without such coverage, you might need to take on debt to pay for unexpected and expensive repairs.



8. Lower Your Mortgage Payments With A New Relief Program

Save money, improve your cash flow, and make your mortgage work better for you just by refinancing your mortgage. If you own a home and are looking to lower your mortgage payment, simply fill out a 60-second quiz and find the savings (or cash) you need!



9. Earn a $200 statement credit with this incredible card!

Discover a breakthrough in banking with the Blue Cash Everyday® Card from American Express (Rates and Fees), where earning cash back on your everyday purchases becomes as natural as breathing. No need for a credit card to see your savings grow. Earn a $200 statement credit* after spending $2,000 in purchases in the first 6 months + 3% Cash Back at U.S. supermarkets (up to $6,000 per year, then 1%), 3% Cash Back on U.S. online retail purchases (up to $6,000 per year, then 1%) and 3% Cash Back at U.S. gas stations (up to $6,000 per year, then 1%)

The perks of Blue Cash Everyday® Card from American Express extend far beyond cash back. Experience banking that's designed with you in mind: zero annual fees and no need to worry about minimum deposits or maintaining a monthly balance.

Don't miss out on free money. Applying is quick and easy.

The best part? There's no annual fee.

*Terms Apply


10. Embark on Unforgettable Journeys with the Capital One Venture Rewards Credit Card

Step into a world of unparalleled travel benefits with the Capital One Venture Rewards Credit Card (Rates and Fees), your ticket to travel rewards bonus. Cardholders earn 75,000 BONUS MILES once you spend $4,000 on purchases within the first 3 months from account opening.

With just a $95 annual fee, you can earn unlimited 2 miles per dollar on every purchase, plus 5 miles per dollar on hotels and rental cars booked through Capital One Travel.

Don't miss the chance to make every journey more rewarding. Click here to apply for the Capital One Venture Rewards Credit Card Card today and start paving the way to a world of exclusive travel benefits,


11. Earn $750 cash rewards bonus with this incredible card!

Discover a breakthrough in banking with the Capital One Spark Cash Select for Excellent Credit (Rates and Fees), where earning cash back on your everyday purchases becomes as natural as breathing. No need for a credit card to see your savings grow. Earn a $750 cash rewards bonus after spending $6,000 in purchases in the first 3 months + Earn unlimited 1.5% cash rewards on every purchase!

The perks of Capital One Spark Card Cash Select extend far beyond cash back. Experience banking that's designed with you in mind: zero annual fees and no need to worry about minimum deposits or maintaining a monthly balance.

Don't miss out on free money. Take the first step towards smarter spending and savings by clicking here to apply for your Capital One Spark Card Cash Select today.

The best part? There's no annual fee.


12. It's a No-Brainer To Use Bilt to Pay Your Monthly Rent!

Are housing costs eating up a big chunk of your budget? If you’re struggling to earn credit card rewards on your rent, Bilt Rewards has a solution. Their new credit card is tailored for renters, making it easier than ever to turn your biggest expense into valuable rewards. Plus, you can earn 3x points on dining and 2x points on travel.

The Bilt Mastercard® has no annual fee, no transaction fees on rent payments, and no foreign transaction fees. Points can be redeemed toward airlines, hotels, future rent payments, credit card statements, fitness classes, Amazon.com, and toward a down payment on a home. Use the card 5 times each statement period to earn points. Terms Apply.





*For rates and fees of the Blue Cash Everyday® Card from American Express, please visit www.americanexpress.com/us/credit-cards/card/blue-cash-everyday.