Struggling with debt and feel like you'll never make any progress or actually become debt free?
We hear you. But we also have some great news to share.
There's actually several ways you can begin effectively crushing your debt, even without a lot of starting cash. Seriously.
Today, we're sharing 7 proven methods to crush debt fast, even when you have $0 in your bank account. Let's get to it.
1. Work With This Nice Company To Pay Off Your Credit Card Bills
Are you currently dealing with credit card debt or personal loan debt?
You're not alone. And millions of people are tackling debt these days with how expensive life has gotten.
But here's the thing: interest rates are so painfully high these days that it can feel impossible to ever get ahead on payments.
That's where a company called AmOne is helping people out.
With AmOne, you can get matched to a lower-interest loan that helps you pay off your much higher-interest balances. And AmOne is giving people up to $100,000 to crush their debt for good.
The main benefit? Well, with AmOne, you only have one bill to pay off each month for starters. Plus, personal loans from AmOne start at 6.40% APR, so you can potentially find loans with way lower rates than what you're paying now.
This strategy is helping people save thousands of dollars in interest payments alone. You don't need perfect credit either. And you can dodge your credit card payments this month by wiping out that debt right away.
Getting started is easy too. It only takes a minute and under 10 questions for AmOne to match you to the best personal loan for your unique situation. And you might be surprised at how much you can save by using a company like AmOne.
GET STARTED →2. Quit Getting Ripped Off When You Shop Online
Online shopping is a great way to save time and snag deals. But here's a little secret: you're probably still overpaying when you shop online.
This ends today. Instead, you can use this free money-saving extension to automatically apply available coupon codes at checkout.
This free tool helps you save at 30,000+ popular stores. It's like having a money-saving assistant right in your pocket, so you never have to search for coupons again that don't even work.
And when it comes to Amazon, you get even more saving tools. For example, this extension compares prices between sellers to help you find the most affordable option.
Signing up is free and easy. Just download the free extension and quit overpaying when you shop online.
3. Put Interest On Ice With These Top Credit Cards!
If you have outstanding credit card debt, getting a new 0% intro APR credit card could help ease the pressure while you pay down your balances.
Our credit card experts identified top credit cards for balance transfers that are perfect for anyone looking to pay down debt and not add to it!
Click through to see what all the hype is about!
4. Start A $500/Month Side Hustle Stack
An extra $500 a month (or even more) would probably go a long way in helping you pay down debt faster.
We also love this strategy since the faster you pay off your debt, the more you save in the long run in interest payments. And there are tons of ways to start your own side hustle stack to print cash in your spare time.
Here are just a few of our favorite ideas that are paying people right now:
💵 Survey Junkie: Answer surveys in your spare time to earn gift cards and PayPal cash! A few surveys per day can easily mean $100+ in your pocket per week.
💵 Freecash: This rewards site pays you to download fun mobile games. You can also earn by answering surveys or with cash-back deals.
💵 Arrived: Earn sweet passive income by purchasing shares of income-generating rental properties and vacation homes. You only need $100 to become an investor and earn!
5. Borrow Up To $250 + Earn Cash Back With This Super App!
When money is tight, the last thing you want to do is turn to expensive payday loans or your credit card. After all, the goal is to pay off your debt faster here, not accumulate more of it!
So, if you need help paying or bills or want to earn more money each week, we definitely recommend checking out an app called Super.
With Super, members can earn around $430 in extra cash per month by answering surveys, playing fun games, and completing easy online tasks in their spare time.
But that's not all…Super also lets its members access cash advances of up to $250 against an upcoming paycheck. And the best part is you don't pay any interest or hidden fees since you're just accessing money from your paycheck a little bit earlier.
On top of that, Super has hundreds of cash-back deals and coupons to help you save when you shop online. And it's also known for industry-leading travel deals that can slash the prices of hotel stays and flights.
Overall, think of Super as a way to supercharge your finances. You can earn and save more money each month with its features, and we love its cash advance feature the most since it can help you make ends meet between payday.
SUPERCHARGE YOUR MONEY6. Find Missing Money That's Owed To You Right Now
Did you know that the government and other agencies currently owe people billions of dollars in missing money?
That's right…Billions, with a “B.”
The sad truth is that funds from tax returns, paychecks, investment income, and other kinds of asset classes sometimes doesn't get paid out to people. Over time, this is how “missing money” piles up.
However, not all hope is lost! And that's because a tool called BeenVerified is helping people claim any missing money, property, or valuables waiting in their name.
BeenVerified's tools scour government databases and other public records to find out if you're owed money currently. And according to its data, a whopping 1 in 7 people have some kind of missing payment that they're owed.
To make sure you're not getting ripped off, all you have to do is search your name and state to begin a search. BeenVerified then helps you find a potential payday waiting in your name.
There's a $1 7-day trial so you can ensure you're not missing out on any free cash. Afterwards, it costs $29.99 per month, which can be worth paying for if you want ongoing searches to track your incoming cash.
👉 Find missing money waiting in your name!
7. Save Money With This All-In-One Budgeting App
When money is tight, it can feel like an impossible battle to save money between your paychecks and begin tackling debt.
But that's why we love this nifty app that helps people create a budget and get rid of overpriced subscriptions.
Say hello to Rocket Money – an all-in-one finance app that can skyrocket your savings.
With Rocket Money, you can automatically create a budget based on your previous transactions. The app automatically categorizes expenses and helps you spot problem areas of overspending to cut back on.
What's more is that the app helps you spot overpriced subscriptions you should probably cancel to say even more.
Pro Tip 🚀 You can also upgrade to Rocket Money Premium to unlock its very best features to supercharge your savings.
This includes an awesome bill negotiation service where Rocket Money's team contacts your major service providers to negotiate better rates for you…so you save money without ever picking up the phone!
Premium costs as little as $4 per month. And it's packed with other features too, like unlimited budgets and free credit reports, to get your finances back on track.