10 Simple Ways to Pay Off Debt with Little Effort

Et harum quidem rerum facilis est et expedita distinctio. Nam libero tempore, cum soluta nobis est eligendi optio cumque nihil impedit.

Photo: Shutterstock
Debt can put unnecessary stress in your life no matter how small or large it is. That’s why knowing how to pay off debt is so important.

Credit card debt, student loans, cell phone bills, auto loans, it goes on! It can get overwhelming but it doesn’t mean you have to shut yourself out from the world and live on ramen to pay it down.

While “paying off debt” is never fun, it doesn’t have to be boring either.

So we’ve rounded up some simple ways to pay off that debt without exerting too much effort:

1. Play a Classic Card Game to Make Some Extra Money

21 blitz

Solitaire Cube (iOS only) is like regular Solitaire, except you get to play for real money. (Which would be pretty helpful for debt repayment.)

Is there a catch? Yes but not really. I tried playing for free when I first started but I realized it would take me forever to get the tickets I need to play for real money. I gave up and deposited $25 last week and I’ve already won $120.

The game matches you with players of the same skill level, so you have a solid and fair chance of winning. If you’re a good Solitaire player, you could win serious cash, like Katie N. who took home $380,984 last year as one of the Top 10 Solitaire Cube players!

So if you think you can handle playing some Solitaire to win some legit money and help battle your debt faster, definitely download this game for free.

Not available in AZ, AR, CT, DE, FL, LA, ME, MT, SC, SD, TN, IN

2. Avoid Getting Dinged by Hidden Bank Fees

Hidden fees can really eat up your money.

For instance, traditional banks can charge monthly maintenance fees ($10-$12 a month), out-of-network ATM fees ($2.75 per transaction), and overdraft fees ($35 per).  That’s $144 a year just on maintenance fees alone, and if you add in an occasional overdraft plus ATM fees, it’ll be way more! Ridiculous.

Avoid silly and frustrating fees by using Chime, a mobile banking app with no hidden fees whatsoever.

No monthly fees, no minimum balance requirement, no overdraft fees, and no foreign transaction fees. It’s also FDIC-insured up to $250,000

Even better? Chime processes your employer’s check immediately so that you could get paid up to 2 days earlier.

It’s banking like it should be. So take a few minutes to get set up with Chime and say goodbye to annoying fees, and hello to a better bank!

3. This App will Save You an Average $720 a Year to Put Towards Debt


They say that 84% of people forget they have some recurring subscriptions still charging them.  Yep, I’m one of them.

To fix that and to get a better picture of my overall spending, I downloaded Truebill (iOS or Android), an app that focuses on lowering bills, monitoring subscriptions, and my favorite, monitoring internet/cable outages. 

After connecting my Chase bank account (it’s safe; they use bank-level 256-bit SSL encryption with read-only access), the Truebill dashboard displayed clear information on my spending, upcoming bills, and all my recurring subscriptions. 

From it, I realized I still had a very niche streaming service that I haven’t touched in about 7 months. (Thanks, free trial offer…) I immediately canceled it through Truebill and saved $70 from that sub.

Got an annoying gym membership you’ve been meaning to cancel? No problem, they’ll do it for you too.

Truebill (iOS or Android) will also negotiate for lower bills on your behalf (no more waiting on the phone!) and monitor any internet and cable outages too. If there are outages in your area, they’ll work to get credit to your account. On average, this accounts to $96 savings a year on outages alone!

Basic service is free, and when Truebill successfully finds bill savings or refunds for you, they’ll take a 40% slice from your annual savings. For instance, if they saved you $100 on a bill for the year, they’ll take $40. Reasonable for the savings they found you!

Overall, having a financial “watchdog” of sorts will keep you on track and help you save on unnecessary spending. It takes only a few minutes for Truebill to analyze so check it out!

4. Play the Slots – And Earn Interest Faster for More Savings

Here’s your debt pay off mission if you choose to accept it.

Go ahead and download Long Game Savings (iOS or Android), a personal finance app that mixes fun games and saving actual money.

Just play 1 game a day, and you could win cash daily.

Yes, it’s safe. Your money is FDIC-insured up to $250,000 and you can withdraw money at any time.

After setting up your savings account, you’ll be able to play quick games like Spin to Win, Flip Cards, Slot Machines, and more for chances to win money to increase your savings. Eons better than 0.01% interest rate.

It’s like you’re getting paid to save with Long Game Savings (iOS or Android) and it only takes less than a minute of your kicking ass day to play. 

5. Get a Lower Interest Rate Without Talking to Pushy Reps

If you don’t want to go into your next decade of life with debt looming over you, consider a debt consolidation.

This means you’re borrowing money at a low-interest rate and using that money to pay off the outstanding balances from your high-interest credit cards.

If it sounds foreign to you, don’t stress. You can keep your research simple and annoyance-free with Fiona, which is basically a marketplace of consolidation and refinancing options.

It’s free to use and takes only three easy steps to sign up.

Fiona will search all the top online lenders to get you the best personal loan anywhere between $1,000 and $100,0000. And loan lengths can last 24-48 months depending on the lender.

Not only will they help with debt consolidation, but they can also help with any big moment in your life that you may need a personal loan for like Home Improvement, Wedding, Medical bills and more.

6. Make Some Money While You Unwind & Watch TV

For the nights that you choose to stay at home to save some money, why not earn some cash too?

Become an Inbox Dollars member where you can watch their TV and Videos section that ranges from Trending News, Entertainment, Food, Health, Tech, and even the latest World News to earn some cash. You’ll also get $5 as a sign-up bonus too!

They set it up in playlists though and they’ll tell you how long it takes as it can range from a few minutes to half an hour. Tip: You can set it to Play, open up another browser tab and let the videos run while you continue doing something else if you’re multi-tasking!

Playlists and earning potential can change, but it’s possible to earn up to $200 a month, watching videos!

7. Grow Your Savings Without Trying

You’ll literally forget about saving money (but it’ll still be happening) when you use the Digit app to do the work for you.

All you have to do is simply connect your bank account and Digit does the rest.

Every day, Digit will analyze your spending, income and upcoming bills to move the right amount of money from your checking into your FDIC-insured Digit savings when you can afford to.

Basically, they know when it’s OK to save and will do all the work!

Bonus! You’ll get a 1% savings bonus every 3 months you’re successfully saving.

People don’t realize they can save so much that it’s been paying for unexpected vacations:

Is there a catch? Digit is free for the first 100 days (plenty of time for you to try it out) and if you dig it, it’s only $5 a month.

8. Get the Big Picture – Then Work on Fixing Your Score

It’s smart to keep an eye on your credit score to make sure it doesn’t fall too much due to unpaid bills. Did you know that a low credit score could affect your ability to actually rent an apartment or even get a car? Yea, let’s try to prevent that from happening.

Credit Sesame is a free credit monitoring service that helps you improve and maintain your score.

You’ll get an easy-to-read view of your total debt plus everything that is contributing to your current score like credit usage, credit age, inquiries, and payment history. It also comes with personal recommendations to help increase your score.

Credit Sesame alerted me immediately when my score decreased because of a credit card and I was able to fix it right away. It’s free to use so this is definitely a must-have in everyone’s life.

9. Get a Personal Loan Fast Even if You Have Bad Credit

Your credit score is important but sometimes, unfortunate circumstances happen to good people. It’s not always a fair representation of your financial history to be judged by 3 digits.

Even if you have a poor credit score you could still get a personal loan for your short-term financial needs.

OppLoans can help.

Submitting an application doesn’t affect your FICO credit score and you’ll be able to get the best personal loan that you may need for car repairs, medical, family, rent, major purchase, etc.

Here’s who can qualify:

  1. Residents of AL, AR, AZ, DC, DE, FL, GA, HI, ID, IL, IN, KY, KS, LA, ME, MI, MN, MS, MO, MT, ND, NE, NV, NM, OH, OK, OR, RI, SD, TN, TX, UT, SC, WA, WI, WY, VA
  2. Have a minimum monthly income of $1,500 for the states listed above except AL is $3,500, and GA & ID is $3,000
  3. Employed at your current job for at least 3 months
  4. 18+ years old (19 if from AL or NE) and cannot be an active duty service member
  5. A traditional bank account in your name that’s been open for at least 90 days
  6. You get your paychecks via direct deposit

Qualified borrowers will be able to borrow up to $4,000 depending on their state.

And when monthly payments are made back on the loan, OppLoans will notify the 3 credit bureaus to build up your payment history!

*OppLoans APR ranges from 59%-199% depending on your state of residence (Rates and Terms). Credit reporting not available for Texas residents.

10. Pay Less on Student Loans. Get More Out of Life.

If you feel bogged down by student loans, you’re not alone. 44.7 million Americans have student loan debt, making the total student loan debt in the United States above $1.47 trillion dollars(*). However, there are options to ease that financial burden.

One way is to refinance your student loans (whether they’re federal, private, or ParentPLUS), consolidating that debt at a lower interest rate.

Credible’s made that part easy. Their loan marketplace helps you find prequalified rates from multiple lenders in just 2 minutes.

They can help you find options to lower your interest rate, reduce your monthly payment, or both! To see your options, just fill out a quick information sheet and compare your prequalified rates – without impacting your credit score. You can even get your finalized offer in as little as one business day.

There are no prepayment penalties, loan application fees, or origination fees through Credible’s lending partners, and the marketplace is free to use!

*Source of 1 in 4 people statistic: LearnVest

*Millennial Debt Statistics Source:https://www.nbcnews.com/news/us-news/poll-majority-millennials-are-debt-hitting-pause-major-life-events-n862376

**44.5 Million Americans Statistics Source:

Most Popular

To Top
%d bloggers like this: