7 Things To Do If Your Full-Time Job Isn't Enough To Pay Off Debt

Quick ways to earn cash without a second job

1. Give plasma: You can typically make anywhere from $30-$70 each time you give, with some centers offering new donor bonuses as high as $700 for the first month. Plus, you can go as often as twice a week.
2. Sell your stuff online: You can sell just about anything on Facebook Marketplace with relative ease. From clothing to furniture to kitchenware, if you have stuff just taking up space, see what you could earn listing it online.
3. Use money-earning apps: Take surveys, test games, upload your shopping receipts … the list goes on. There are a ton of apps that offer rewards and cash for various simple tasks. In fact, you’ll find some options in this list.
4. Sell unused gift cards: Seriously. If you have gift cards lying around, you could sell them for up to 92% of their value with sites like CardCash.

Amazon Prime members: get a $250 Amazon Gift Card!

If you're an Amazon Prime member, apply for the Prime Visa(Rates and fees) credit card here and you can get a $250 Amazon Gift Card instantly loaded into your Amazon account's Gift Card Balance upon approval (get an instant decision within 15 seconds).¹ <p class="">If you respond via the Internet, the majority of applications are responded to in less than 15 seconds. Your actual response time may vary depending on the Internet connection and volume of submitted requests. We may not be able to give you an immediate answer in every instance.</p>

There is no extra work or spending requirement and no annual fee! 

The Prime Visa credit card also lets you earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership, unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and unlimited 1% on all other purchases.

If you spend a good amount on Amazon this card could be worth $100s in cash back every year.  Don't delay — apply today! 

Good or excellent credit (typically 670 or higher) is recommended.

Click here to apply for the Prime Visa credit card today and get an instant decision in 15 seconds

See if your credit card debt is eligible for this debt relief program

If you have a lot of debt, getting out of it can feel stressful (and nearly impossible). Here’s the problem: the longer you put off tackling it, the harder it may get 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 get out of debt once and for all?

National Debt Relief could help. If you have more than $30,000 in debt from credit cards, medical bills, collections, or personal loans, their certified debt specialists may be able to help you resolve your debt for less than you owe — with one low monthly program payment.

Best of all? There are zero upfront fees, and you could be debt-free in 24-48 months. To get started, just answer a few simple questions and get connected with a caring debt specialist. The consultation is completely free and only takes a few minutes to see if you qualify!² <p>Clients who complete the program and settle all debts typically save around 45% before fees or 20% including fees over 24–48 months, based on enrolled debts. “Debt-free” applies only to enrolled credit cards, personal loans, and medical bills. Not mortgages, car loans, or other debts. Average program completion time is 24–48 months; not all debts are eligible, and results vary as not all clients complete the program due to factors like insufficient savings. We do not guarantee specific debt reductions or timelines, nor do we assume debt, make payments to creditors, or offer legal, tax, bankruptcy, or credit repair services. Consult a tax professional or attorney as needed. Services are not available in all states. Participation may adversely affect your credit rating or score. Nonpayment of debt may result in increased finance and other charges, collection efforts, or litigation. Read all program materials before enrolling. National Debt Relief’s fees are based on a percentage of enrolled debt. All communications may be recorded or monitored for quality assurance. In certain states, additional disclosures and licensing apply. ©️ 2009–2025 National Debt Relief LLC. National Debt Relief (NMLS #1250950, CA CFL Lic. No. 60DBO-70443) is located at 180 Maiden Lane, 28th Floor, New York, NY 10038. All rights reserved. <b><a href="https://www.nationaldebtrelief.com/licenses/">Click here</a></b> for additional state-specific disclosures and licensing information.</p>

See if your $30k+ in credit card debt is eligible for National Debt Relief

Pay no interest into 2027 with this no annual fee card

If you're struggling to pay down high interest debt (or you're planning a major purchase this year), this might be the exact thing you need. There's a card that allows you to completely pause credit card interest into 2027 ... and the best part is that it could be easier than you think.  

Bank of America^® Unlimited Cash Rewards credit card is an extremely powerful card that gives you 0% intro APR for an astounding 15 billing cycles on purchases and any balance transfers made in the first 60 days. (Then APR is 17.74% - 27.74% Variable.) That's right — you can now finance large purchases you've been sitting on without paying massive interest. Or, transfer crippling high interest debt to this card and let your payments go directly to paying down your balance, without piling on additional interest charges — all withno annual fee.

But it doesn't end there. The Bank of America^® Unlimited Cash Rewards credit card card also lets you earn 2% cash back on all purchases for the first year from account opening, with no limit to the amount of cash back you can earn; unlimited 1.5% cash back on all purchases after the first year from account opening. Plus, earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

Apply now for the Bank of America^® Unlimited Cash Rewards credit card

Access up to $500K of your home equity with no additional monthly payments

If you want to access your home equity — but don’t qualify for a traditional HELOC — Splitero could be perfect.

How it works: Splitero is a Home Equity Investment product that bets on your home's future value going up. You get cash now, and when you cash settle, sell, or refinance, you give Splitero a small portion based on how much your home is worth then.

(By the way, if your home value decreases, the value of the percentage Splitero is entitled to also decreases. That could be a lot safer for you.)

Splitero is rated “A” by the BBB and you can use the money however you like. Pay off debt, renovate your home, or invest, all without worrying about additional monthly payments.

You may qualify if you:

1. Have some equity in your home — 30% or more.
2. Have a credit score of 500+.
3. It’s your residence, and you live there.

Find creative ways to earn cash during your free time

1. Thrift and flip: Head to local thrift stores, estate sales, or pursue free listings online. With a little skill and elbow grease, you could repurpose old furniture and other goods and sell them locally or online.
2. Do work for older neighbors or family: From mowing the lawn to helping replace light bulbs, chances are there is someone nearby who could use your help. Beyond making a few extra bucks, they are sure to love the company.
3. Haul large items with your truck: If you drive a pickup, you could advertise haul-away or large item delivery services in your area on sites like Craigslist.
4. Pick up photography: You don’t need to have an official business or work weddings for this side gig. Head out to festivals, nightclubs, or popular areas in your city and offer to take people’s photos. Then airdrop or email the photos of your subjects for a small fee.

Get financial guidance without the cost with this 100% free plan

Financial plans don’t need to cost hundreds or require meeting with an advisor. Studies show that simply having a plan significantly improves confidence and outcomes.³ <p>Source: Charles Schwab Modern Wealth Survey 2024</p>

Our tool creates a 100% free personalized financial plan — no advisor fees, no sales pitches, no pressure. Just clear guidance based on your financial situation.

Here’s how to get started:

1. Click the link below.
2. Answer a few quick questions: your goals, income, and spending habits.
3. Securely link your accounts through Plaid (checking, savings, cards, etc.).
4. Receive your personalized money plan instantly, including recommended spending ranges, savings targets, and simple steps to feel more in control.

The tool analyzes your real spending patterns and gives you a clear breakdown of where your money should go each month, without guilt or guesswork. It’s 100% free, and you’ll finally know exactly what to do next with your money.

Click here to get your free financial plan and see the advice that an advisor might charge you hundreds for.

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.⁴ <p>Actual savings and coverage options vary based on factors such as driving history, location, and insurer policies. The rates shown in this example may not reflect what every user will qualify for.</p> 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.

Pick up gig work from a trusted website

1. Deliver packages with Amazon Flex: Use your own vehicle to deliver Amazon packages during your off-hours. According to Amazon, most drivers can earn between $18-$25 an hour.
2. Do odd jobs on Taskrabbit: Sign up to be a tasker, and choose small jobs in your area in over 50+ service categories. You get to keep 100% of what you chargem, plus tips. Tasks can include moving furniture, running errands, IKEA assembly, and more.
3. Pick up freelance microtasks: Check out a freelance platform like Upwork and look for postings for simple tasks like data entry, proofreading, image tagging, and more.
4. Event staffing: You could pick up work for events like weddings, business conferences, or festivals. Just do a quick internet search for companies in your area. Beyond pay, some people report scoring added perks like free food for their time.

Ohio homeowners borrow from your home’s equity

HELOCs are experiencing a resurgence among credit-worthy homeowners, who see them as a cost-effective way to eliminate high-interest debt or finance home improvements.

The best part is you can actually keep your current mortgage rate by getting a HELOC with this genius product! No hassle.

See if you qualify!⁵ <p>All mortgage lending conducted by Upstart Mortgage, LLC dba Upstart Home Lending. NMLS #2443873. Equal Housing Opportunity.</p>

How to get started:

1. Check out Upstart Home Lending at the link below.
2. Answer a few questions about your home.
3. See if you qualify and get your personalized rate and payment.

See if you qualify

Limited-Time Offer: Amazon Prime members get a $250 Amazon Gift Card + up to 5% back! 

If you regularly shop at Amazon or Whole Foods, this is one of the best offers you're going to see all year. Apply for the Prime Visa(Rates and fees) credit card here — you can get a $250 Amazon Gift Card loaded directly onto your Amazon account's Gift Card Balance upon approval.

There's no annual fee for this card, no extra work or spending requirement to get the $250 bonus, and you could get an approval decision extremely fast. Get an instant decision within 15 seconds¹ <p class="">If you respond via the Internet, the majority of applications are responded to in less than 15 seconds. Your actual response time may vary depending on the Internet connection and volume of submitted requests. We may not be able to give you an immediate answer in every instance.</p> and you could use this gift card immediately if approved.

Plus, earn up to 5% back on Amazon.com, Amazon Fresh, Whole Foods Market, and Chase Travel purchases with an eligible Prime membership Recommended credit: Good or excellent (typically 670 or higher). 

Click here to apply for the Prime Visa credit card today and get an instant decision within 15 seconds