Advertisement
by Dave Freeman January, 2025Debt (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.
Many people overpay for cell phone services. Switching to a more affordable plan can free up funds to pay down 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.
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.
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.
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.
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.
Each year, the IRS forgives millions in unpaid taxes. If you have more than $10,000 in tax debt, or have 3+ years of unfiled taxes, you could get forgiveness too. You might be eligible to lower the amount you owe, or eliminate your tax debt completely.
Easy Tax Relief could help you lower or get out of your tax debt for good. They’re well respected in the industry and have been recognized for their ethical standards when dealing with tax debt. While most tax companies just put you on a payment plan and file your taxes for you, Easy Tax Relief talks to the IRS directly. They can help you pay off your tax debt faster while potentially reducing what you owe.
Important: Not everyone will qualify. To take advantage of this special program you must owe more than $10,000 in past-due taxes.
Shopping online has its perks. It's super convenient, but it can be time consuming to find the best deals. Instead of hunting for coupon codes (that don't always work!) and opening tons of browser tabs comparing prices, you can try Capital One Shopping.
Capital One Shopping makes saving money effortless. Just add the browser extension and when you check out, it'll scour the internet for coupon codes to help you save cash. And before you check out at 25+ major retailers, Capital One Shopping will notify you with a friendly pop-up if the item you're buying is available cheaper somewhere else.
Capital One Shopping is free to use and won't show you ads. Add it today and stop overpaying!
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!
