Use These 8 Shortcuts To Help Pay Down $10,000 or More in Debt

Try one of these smart payoff strategies

1. Snowball Method: Pay off debts starting with the smallest balance first and working your way up. A small win early on can be just the motivation you need to keep going.
2. Avalanche Method: Pay off debt starting with the highest interest rate first and working your way down. You could save money in the long run by accruing fewer interest charges.
3. Biweekly Payment: Make half of your monthly payment every two weeks. This will result in an extra payment each year, helping you pay down your balance faster.
4. Round-Up Payments: Round up your payment to the nearest $10, $50, or $100, depending on your budget. This will help you pay off your principal balance faster and save on interest charges.

Ask this company to pay off high interest credit card debt (not everyone is eligible)

You could get out of $30,000 or more in debt and it could be easier than you think.

This program can help you pay off your credit card debt for possibly less than you owe. You’d be shocked by the difference. Say you owe around $30,000 in debt. You might just feel stuck with it. That’s just what you owe, and you have to pay it all, right? Wrong.

When you join this program you could cut as much as $10,000 off your debt and be debt-free in 48 months.

In fact over 550,000 Americans have resolved $11.5 billion in debt through this BBB A+ rated program since 2009.

If you’re ready to get out of debt for good, take a few minutes to see if you’re eligible.

You might be eligible if you check these 3 boxes:

1. You owe $30,000 or more in debt
2. You have a job or source of income
3. You are ready to be debt free

See if you're eligible for this debt relief program

You’ll hardly believe you waited so long to do something like this. Seriously, just check it out.

Transfer your credit card balance and pay no interest for 21 months from date of account opening (yes, it is kind of remarkable)

Imagine getting rid of your credit card and high-interest payments. Sounds great — right? You could dramatically change your financial picture with one of the industry-leading low-interest cards — the Citi Simplicity^® Card - and pay no interest until 2027 on balance transfers!

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 high-interest debt to this card with a 0% intro APR for 21 months from date of account opening on balance transfers (APR then 18.24% - 28.99% (Variable); balance transfers must be completed within 4 months of account opening). 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!

The best part? The Citi Simplicity^® Card boasts no late fees and has no annual fee.

Click here to apply now for the Citi Simplicity^® Card(Rates and fees)

Access a credit limit from $5,000-$250,000 (without touching your mortgage)

If you need cash, you do not need a cash advance or personal loan — get a HELOC instead.

Access the equity in your home with Aven for a fraction of the time and cost of a traditional HELOC. With a 100% online process, you could get approved in as fast as 15 minutes and access funds as soon as 3 business days after closing!

The best part? The Aven HELOC gives you options. Access cash upfront with a full draw at a low fixed rate APR or use a standard revolving credit line with a variable APR.¹ <p>The annual percentage rate (“APR”) is the cost of credit as a yearly rate and does not include costs other than interest. The APR is a variable rate based on the Wall Street Journal prime rate (“Index”) published by the Wall Street Journal in its Money Rates section. The WSJ Prime Rate as of Jan 10th, 2025 is 7.50%. Your variable APR is based on the Index plus a margin that takes into account your creditworthiness, collateral value, etc. Your APR is subject to change as allowed by applicable law. Best rates available only to the highest-qualified borrowers. The maximum APR will not exceed 18% during the life of your account. Cash Out (draw to bank account) fee and Balance Transfer fee is 0% of amount transferred. This fee is subject to change. The county where your property is located may charge recording fees. If your line is greater than $25,000, you are responsible for paying these costs. These costs will be placed in a 12-month interest free, fixed term loan and be part of your Minimum Payment Due.</p> <p>Cash back available to those who enroll in AutoPay, refer to <a href="https://www.aven.com/docs/AutoPayAgreement.pdf">AutoPay Terms & Conditions</a>. Cash back applies to valid purchases (not on refunds or returns) made using the Aven card, and does not apply to non-card transactions, including balance transfers, cash-outs, or reward redemptions. Cash back is accumulated as points and redeemable as statement credit. Refer to <a href="https://www.aven.com/public/docs/CashbackTerms/post2025MarFixedTermWithFirstDrawFeeAndPRPPAndShadowLimit">Rewards Terms & Conditions</a>.</p> <p>If you have an existing second lien (“Second Lien”) on your subject property, you acknowledge and agree that we may transfer your application to our refinance product (subject in all cases to credit approval). The refinance product may have different terms and conditions than the initial product you applied for. Please review the Early HELOC Disclosure for more information.</p> <p>Our APR is 6.99-15.49% for primary residences. The average for other cards in the US for people with good credit is over 24% APR. Source: "Average Credit Card Interest Rates" <a href="https://wallethub.com/edu/cc/average-credit-card-interest-rate/50841">wallethub.com</a> on Jan 15, 2024 showing the average rate for credit cards in the US for people with good credit is 24.10% APR.</p> <p>If you have an active HELOC agreement or offer within the last 30 days that demonstrates a lower cost than ours, we’ll beat the offer or send you $250. Introductory, temporary, and promotional offers do not apply toward our guarantee. Only valid for new customers who received this specific offer. We reserve the right to change the terms of the guarantee at any time. <a href="https://www.aven.com/public/docs/HelocGuaranteedLowestCost/post2025MarFixedTermWithFirstDrawFeeAndPRPPAndShadowLimit">Guarantee Terms and Conditions</a>.</p> <p>Our fixed monthly payment option (Aven Simple Loan) is available based on your Var APR plus fees not exceeding the High Cost Mortgage threshold set by law. Your rate will not increase while the Aven Simple Loan plan is open.</p> <p>If you opened a HELOC within the last 30 days or received a fully underwritten HELOC offer within the last 30 days, we’ll beat your APR or give you $250. Offer subject to verification and approval. Terms apply. <a href="https://www.aven.com/public/docs/HelocGuaranteedLowestCost/post2025MarFixedTermWithFirstDrawFeeAndPRPPAndShadowLimit">Guarantee Terms and Conditions</a>.</p> <p>Subject to Credit Approval, including use of data reports from Experian, Equifax and Transunion. Limit of one Account per property. Certain terms and conditions may apply. Terms may vary by applicant and are subject to change. Availability limited to certain states. See <a href="https://www.aven.com/licenses">aven.com/licenses</a> for more details. Not available for multi-unit homes. Requires a lien on your property. Flood insurance may be required if your property is located in a flood zone. Not available for home purchase. If you have an existing second lien (“Second Lien”) on your subject property, you acknowledge and agree that we may transfer your application to our refinance product (subject in all cases to credit approval). The refinance product may have different terms and conditions than the initial product you applied for. Please review the Early HELOC Disclosure for more information.</p> <p>Note for customers in AK, AL, IA, KS, KY, LA, MN, MS, NE, OK, OR, PA, UT, WI and WY: We currently only offer lines up to $100,000. Check back soon for higher line sizes.</p> <p><a href="https://www.aven.com/docs/SpanishDisclosure.pdf">Notice to Consumers about all Languages. Para Español, consulte este documento</a>.</p> <p>Aven cards are arranged by Aven Financial, Inc., dba "Aven" or "AvenCard" (in AR, ID, and PA). NMLS #2042345. See <a href="https://www.aven.com/licenses">aven.com/licenses</a> for state specific details. Aven reserves the right to modify or discontinue its products or offerings at any time without notice.</p> <p>Aven Visa Credit Cards are issued by Coastal Community Bank, pursuant to a license from Visa U.S.A., Inc. Aven accounts are made by Coastal Community Bank, Member FDIC. Equal Housing Lender. NMLS #462289 (<a href="https://nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/462289">NMLS Consumer Access Page</a>). For additional information or complaints to Coastal Community Bank, visit <a href="https://www.federalreserveconsumerhelp.gov">www.federalreserveconsumerhelp.gov</a>.</p> Repay that full draw with a fixed monthly payment that works for your budget.

How to get started:

1. Visit Aven and provide a few pieces of information.
2. Check your offer with no impact on your credit score.
3. Accept your personalized rate.
4. Close 100% online with a digital notarization flow.

680+ Credit Score: Check your offer for $0

Understanding different types of debt products

1. Balance Transfer: A balance transfer credit card offers an introductory 0% APR on existing high-interest balances you transfer over. This allows you to pay down your balance during the intro period without accruing more interest. You typically need at least good credit to be approved, and must be disciplined to avoid accumulating a high balance on your new card.
2. Debt Consolidation: This is typically achieved with a personal loan or home equity product. You could pay off all your existing debts with the new loan, meaning you’ll only need to manage one monthly payment, potentially with a lower interest rate.
3. Debt Settlement: If you qualify, debt relief companies will negotiate with creditors on your behalf to potentially reduce the total amount you owe. You typically will need to make monthly payments to the debt relief company to be used to pay down your remaining debt.

Don’t pay a CENT to contractors for home repairs until you do this

Sounds crazy. And maybe you’re not even sure if this is real. But … you’re probably curious anyway. Choice Home Warranty makes it so you might be able to save $100s in home repairs!

They’ve been around since 2008 (so you know they’re legit) and they offer affordable plans to cover appliances and systems in your home that could break down from routine wear and tear.

Think of it like this: Say your air conditioning unit breaks down during a heatwave. Instead of paying $1,500 for repairs, you may only need to pay a $100 service fee with Choice Home Warranty, and their techs come and fix it ASAP. This could save you $1,400 almost instantly!

Choose a plan here and you can still lock in their ultra-low 2024 rates (for a limited time). Then, whenever a covered system in your home breaks down, all you have to do is make your claim online or give them a call. Their team is available 24 hours a day, 7 days a week.² <p>CHW reserves the right to offer cash back in lieu of repair or replacement in the amount of CHW's actual cost (which at times may be less than retail) to repair or replace any covered system, component or appliance. In the event that CHW makes such payment, CHW will provide written notification of the basis for the amount of the payment. First Month Free with purchase of any single payment home warranty plan. The product being offered is a service contract and is separate and distinct from any product or service warranty which may be provided by the home builder or manufacturer.</p>

Choose a plan from Choice Home Warranty here and lock in 2024 rates

P.S. Use the links above and you’ll get $50 off and 1 month free. We don’t know how long this will last, so take advantage of it today before it disappears.

Ohio Driver? Cancel your car insurance

Driving without car insurance is illegal, but if you do this, you’re not actually breaking the law.

This tool can help you see if you’re overpaying for car insurance in just a few clicks. You’d be shocked by the difference. $159 per month is what they wanted to charge me. I thought that was the best price, don’t even look anywhere else. Right? Wrong.

I used this tool and now I’m able to pay just $47 a month for two cars.Too many insurance companies do this. They push up our rates and make us pay even more. But if you want to try this tool and compare and potentially score same-day savings, here’s what to do:

1. Click the link below and enter your zip code, date of birth, and phone number.
2. Answer a few questions about your car’s make and model to get matched with top offers.
3. Choose the best quote for you and lock it in before rates go up.

Compare rates now and see if you could score same-day savings today!

I can hardly believe I waited so long to do this, but I’m glad I finally did. It only took me two minutes. Super fast. You have to trust me on this. Just try it out.

Get creative with ways to earn or save extra money

1. Negotiate Your Bills: You can always try to negotiate with creditors and businesses for a lower price, better rate, or other deals. Ask about available discounts or payment plans, or bring up competitors. A little time and research could go a long way.
2. Find Unique Side Hustles: There are a ton of services that can help you earn a little extra cash. You could rent out storage space with Neighbor, walk dogs through Wag, sell advertising space on your car via Wrapify, and more. You just need to look!
3. Utilize Free Services: From free college courses on Coursera to free items on Facebook Buy Nothing Groups, there are numerous free services available that you may not be aware of. Also, don’t sleep on your local public library, where you could rent out devices like laptops and tablets, access free entertainment like movies and board games, or find valuable personal and professional growth resources.

Ask this company to pay off your late tax debt

Past-due tax debt is overwhelming.

It weighs on your mind and causes massive anxiety. You end up emotionally and physically drained. Even worse when the IRS starts sending letters threatening wage garnishment and huge fines.

Tax Relief Advocates is designed specifically to help you get out of tax debt faster and could even eliminate or reduce some of the debt you owe.

While most tax companies just put you on a payment plan and file your taxes for you, Tax Relief Advocates 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

Access your home equity to cover debt — no payment or interest charges for 10 years

Struggling with debt? If you want to utilize your home equity to help pay it down, you’re probably frustrated right now. The strict qualifications of the traditional financial system have left many unable to.

But there’s another option you may not have heard of, a home equity agreement (HEA) from Unlock.

With Unlock, you could tap into up to $500,000 of your home equity and make no payments for ten years. It’s not a home equity loan, HELOC, cash-out refinance, or reverse mortgage.

An Unlock HEA is not a loan at all. Instead, it gives you cash in exchange for a portion of your home’s future value:

• Access up to $500,000 of your home’s equity.
• No payments or interest charges for ten years.
• Not subject to traditional interest rates.
• Minimum credit score: 500+.

You can verify your property value and equity in 60 seconds — and with no impact on your credit score: Start by entering your property address here.

And don’t worry — Unlock has an A+ rating from the BBB. So see what you’re eligible for, and you could have the funds you need to end your toxic debt loop sooner than you think.

Apply for a home equity agreement with Unlock

Stop getting ripped off by credit card companies

If you have credit card debt, you know that paying your bill each month is anxiety-inducing … and sometimes close to impossible with what you have in the bank.

But … credit card companies couldn’t care LESS if you pay or not. They’ll make money off you either way. And with an average APR close to 25%, the credit card companies just keep getting richer and richer.

If that’s you, a company called AmOne wants to help. If you owe less than $100,000 in credit card debt, AmOne can match you with loan providers that could help you pay off your debt almost instantly.

Think about it this way: $25,000 in credit card debt at 25% APR will cost you $518.83 every single month in interest alone. But, with a rate as low as 6.40% APR (possible through AmOne), you’d only pay $94.69 interest.

That’s over $400 a month you’d get to keep for yourself! Even better, you don’t need a perfect credit score, and checking for loans won’t affect your credit.

Truthfully, this company exists to help you get ahead in life. They have an Excellent rating on Trustpilot from over 2,000 verified reviews, and you can see your options in a matter of minutes. It’s certainly worth a shot if you’re feeling suffocated by debt.

Lower your debt payments here

Save potentially $1,000 or more on home insurance

If you want better or more affordable home insurance, there is ONE thing you should never skip in the process of finding a policy: Getting multiple options from a variety of home insurance providers.

Too many homeowners skip this step — not realizing that they could save potentially $1,000s over the lifetime of owning their house just by switching. And yes, you can switch your home insurance at any time.

Provide Home Insurance is a company that matches you with home insurance options from a variety of lenders to meet your home insurance needs … including lower overall cost or better overall coverage.

Just answer a few questions, and they will find options that are right for you. And heads up — the insurance company you choose may call you. Do NOT ignore the call, as they want to work with you to find the best rate possible.

Enter your zip code to get started