8 Creative Ways to Pay Off Credit Card Debt Without Being a Complete Hermit

We’ve all heard this personal finance advice: For the price of your daily latte, you could launch your dream business, pay off credit card debt, become a savvy investor or build your savings to astronomical levels.

Sure, we could all be billionaires if not for our caffeine habit. We’ll get right on that.

In the meantime, you sit with stacks of credit card debt, dwindling savings and paychecks that hardly pay the bills.

Lattes aren’t your problem.

You need to get creative with your budget, especially if you’re ever going to wring out enough to pay off debt and work toward your new life as a billionaire.

Here are the 8 best ways to pay off your credit card debt.

1. Figure Out Exactly What You Owe

Need a longer look at that debt? Credit Sesame can help you figure it out.

Credit Sesame’s “credit report card” acts like your favorite teacher from high school.

It gives you a free credit score, plus lays out your credit history, so you can see exactly how much money you owe and to whom. It even tells you your monthly payments and interest rate, as well as which debts are in collections.

The app lets you keep track of your credit score and recommends ways to improve it.

For example, it might recommend a mortgage lender, credit card or debt refinancing based on your needs and chances of being approved.

Small business owner Kenneth Bain raised his credit score 234 points using Credit Sesame. He said it became like a game, and he wanted to achieve the high score.

“I literally checked my credit every day, two to three times a day,” he told us. “I remember the day I logged on and saw 721 … And (I thought), ‘Yes, finally! My hard work paid off.’”

You can sign up for Credit Sesame and get your free credit report card here.

1. Negotiate Your Bills Down

We all know you can negotiate the price of a car, but did you know you can negotiate your utility bills?

Here are some negotiating tips our contributor Sarah Mueller used to save her family about $5,000 in a year.

If you’re not seeing the results you want when you call utility companies, a free iOS app called Clarity Money will actually negotiate your bills down for you.

The company starts by scanning your bank statements for places you might be overspending or overpaying. Then it does the hard work for you.

Clarity reps contact companies on your behalf. If they’re able to negotiate a discount, the company keeps 33% of your savings. If they save you nothing, you owe nothing.

1. Consolidate Debt

A lot of us are being crushed by credit card interest rates north of 20%. If you’re in that boat, consolidation and refinancing might be worth a look.

A good resource is consumer financial technology platform Even Financial, which can help match you with the right personal loan to meet your needs.

It can help you borrow up to $50,000 (with no collateral needed) and compare interest rates from several lenders. Rates start at 4.99% and repayment plans range from 24-84 months.

1. Earn Extra Income — Without Extra Time

One of the best ways to pay off credit card debt is to earn more money. Easier said than done, right?

Few people have the luxury of adding another job to their daily schedule, so where does the extra come from? We recommend looking for ways to boost your income passively that won’t add hours to your workday.

Here are a few of our favorite ways:

Watch videos via InboxDollars. Get paid to flip through video ads during your commute (as long as you’re not driving), while you wait in line at the grocery store or during your lunch break.
Share your opinion via paid online surveys. Ipsos Panel and Opinion Outpost are two of the largest legitimate paid survey sites out there. These can be a smart way to turn your TV-watching time into a money-maker.
Smart Panel – This panel is open to everyone and once you’ve downloaded the app, they will give you $5. If you keep it installed for at least two weeks, you’ll earn another $10. And then for every month that you keep the Smart App installed, you’ll get another $5. All total, you can earn up to $75 for the 1st year!
SavvyConnect — You can earn $5 per device (phone, tablet or computer) for each month SavvyConnect is installed. That’s a total of up to $180 per year to help rank the most popular sites and apps. Make sure you keep it installed at least a month to get your first $5 per device.

1. Spend Less by Earning Rebates

Now that we know you’ve cut your spending down to the last latte, how can we possibly talk about spending even less?

There’s one more step you can take to cut your everyday expenses — earn cash back for them.

Use these sites to earn rebates on everything you buy:

For groceries, sign up for Ibotta. You can browse cash-back offers in your area and scan your receipts to get rebates. Once you’ve reached $5 earnings or more, you can request payment via Paypal or Venmo. And right now, Ibotta is giving new users a $10 sign-up bonus, just for redeeming your first receipt.
For household necessities, sign up for Ebates. You’ll earn a $10 Target gift card when you join and make your first purchase. Plus, you could earn 5% cash back on some Amazon categories.
Feed all these savings toward paying off credit card debt to chip away at it faster.

1. Sell Your Extra Stuff

If you haven’t moved or cleaned out your closets recently, you probably have some stuff sitting around you don’t need.

Selling it off could give you an influx of cash to make progress on your debt.

Here are some of our favorite websites to sell anything in your house:

letgo: You can sell almost anything on this app.
Bookscouter: Use this site to sell your old books.
Decluttr: This site will pay you for your old CDs, DVDs, Blu-Rays, video games, gaming consoles and other electronics. (Plus, enter PENNY10 at checkout to get an extra 10% for your trade-ins!)

1. Automate Your Savings

Once you pay off credit card debt, the last thing you want to do is rack it up again. An emergency savings fund can help protect you from that possibility.

“Build an emergency fund” is another of those common pieces of personal finance advice you’ve probably heard and hate. (Even we recommend it.)

Savings seems impossible when you think about it. So start saving without thinking about it.

One squirrelly trick to get yourself to save is an app like Acorns.

Once you connect a credit or debit card, it rounds up your purchases to the nearest dollar and puts the change into an investment account.

Your brain won’t even know you’re saving — I can’t think of a better trick than that!

1. Find Free Entertainment

Let’s face it: Having fun can cost a lot of money. You could easily drop thousands on entertainment each year if you had the cash to spare.

When you don’t have the cash, you can still have fun.

Even better, you might be able to get paid to enjoy movies, bowling, amusement parks, water parks, weekend getaways and more.

You can do it through mystery shopping. Here’s a list of our favorite companies to get you started.