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Becoming debt-free is at the heart of Ramsey’s financial philosophy, and for a good reason. If you feel like you’re drowning in debt, you’re not alone. A recent study shows that over 80% of Americans are in debt.
So how do you get out of it?
There are many debt payoff strategies out there. For example, Ramsey’s “Debt Snowball” method, which involves paying off the smallest debt first and then moving to larger ones, could be one effective way to build momentum and stay motivated.
Crushing your debt will take some work and dedication, but we're here to help. Below you'll find a list of clever ways you wouldn't normally consider to help you crush your debt.
Imagine how great it will feel when you no longer have it looming overhead!
Pay no interest on balance transfers into 2026
Imagine getting 18 months with 0% intro APR on a balance transfer. Sounds great — right? You could dramatically change your financial picture with this industry-leading card - the Citi Double Cash® Card.
If you want to kick high-interest credit card debt to the curb, this is one of the leading get-out-of-debt cards available. Transfer your high interest debt to this card with a 0% intro APR on balance transfers for 18 months. After the intro period for balance transfers, the APR is 18.49% - 28.49% (Variable). Your payments can go directly to paying down your balance without incurring a pile of additional charges. That could save you hundreds of dollars in interest!
It doesn't stop with balance transfers though. Cardholders can also earn double cash back — 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25. Even better, you can redeem your cash back as direct deposit, a statement credit, or even a mailed check! You can turn your everyday purchases into cash back and make a dent in your debt, regular bills, or save for the future.
The best part? There's no annual fee with the Citi Double Cash® Card(Rates and fees).
Ohio Driver? Cancel your car insurance
We've got bad news. You could be wasting $600 every year on overpriced, second-rate car insurance. And you should probably cancel your existing insurance right now, because there's something much better.
This new tool from FinanceBuzz can tell you if you're overpaying for your car insurance in just a few clicks. We match drivers with companies that report saving drivers up to $600 or more per year when they switch! Each driver’s savings will vary by driving history and how many discounts you’re eligible for. And once you try it out, you'll never have to look for affordable insurance again because we find you the lowest rates that other companies can't match.
Oh, and it's also free. And come on — you can't tell us you don't want to save up to $600. To find out if you're losing up to $600 or more a year, just answer a few questions, and then make sure to enter your zip, DOB, and email, to see if you qualify for a lower rate. It takes less than 2 minutes.
Ask this company to help pay off your credit card debt
If you have a lot of debt, resolving it can feel stressful (and nearly impossible). The longer you put off tackling it, the harder it gets to fix. If you don’t take control of it early on, it can add undue stress to your life for years. But what if there was a way to resolve your debt with far less stress?
Americor Debt Relief could help. If you have more than $10,000 in debt from credit cards, medical bills, collections, or personal loans, their representatives might be able to assist you in resolving it.
Best of all? There are zero fees until each debt is resolved, and the process can take as little as 24-48 months1. To get started, just answer a few simple questions.
Unlock up to $1,070 value over the next year with this incredible card
There's a credit card that's making waves with its amazing bonus and benefits. The Discover it® Cash Back(Rates and fees) card has no annual fee, and Discover will match all the cash back you’ve earned at the end of your first year. This generous welcome offer and the top-notch cash back rewards provides an estimated $1,070 value in the first year!
The excellent $1,070 first-year value is estimated through the FinanceBuzz Credit Card Rewards Valuation Model based on spending, the welcome bonus, and the annual fee. The actual value will be determined by how much and in which categories you spend, but this card makes racking up valuable rewards easy! Earn 5% cash back at different places each quarter up to the quarterly maximum when you activate, including gas stations, grocery stores, and restaurants. Plus, you'll earn 1% cash back on all other purchases automatically. The welcome offer combined with the up to 5% cash back reward rate could be worth up to 10% cash back!
This card also offers an intro APR of 0% for 15 months on purchases and balance transfers, then APR 18.74% - 27.74% Variable. To top it all off, the Discover it® Cash Back is accepted by 99% of merchants, and there's no annual fee.
Eliminate your late tax debt
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.
Fill out this form to get started
Ohio Homeowners: Turn your home’s value into extra cash
If you want to pay a large expense now, like a home improvement project or consolidating credit card debt, you may have considered using your home equity as leverage to borrow a large sum of money.
But with interest rates rising in recent years, a traditional home equity loan or cash-out refinance may not make financial sense.
Here’s a potential solution: Get a home equity line of credit (HELOC) instead.
With Achieve’s HELOC offer tool,2you could check for personalized HELOC offers in a few minutes.
How Achieve’s home equity line of credit is different: Achieve’s line of credit acts similar to a credit card during what’s called the “draw period,” which is 5 years. You can withdraw funds when you need them and you’re only responsible for monthly payments toward the outstanding balance. After the draw period ends, you pay off the outstanding balance during the remaining term or “repayment period,” which is 5 to 10 years.
As a revolving line of credit, you could borrow the amount you need, pay down your balance, and continue to borrow against your credit limit (during the draw period).
To get started:
- Check out Achieve’s HELOC offer tool.
- Answer a few questions.
- Check for personalized offers for you.