How to Get Out of Debt

Getting out of debt is not so easy to do. It doesn’t mean its not possible. Anything is possible if you put your mind to it.

I came up with a list that can help you get out of debt. We did many of these when we where trying to clear all our cards.

Sell – Sell anything you don’t need or not using. I use sites like Offer Up, Let Go, Craigslist. You will be amazed as to how much money you can actually make by selling things you no longer use.

One Car – For a while me and my husband used only one car. Having one car saves you gas money and insurance money. We are actually planning to go to one car again. Not because we are in debt but because now we are saving for a home.

Shop Online – We use Amazon Prime for a lot of things. Almost everything besides grocery we get on Amazon. It two day delivery – free and it cheaper than regular store.  Using Ebates when you shop online will make you money back.

Cash Only – For this method you will have to make a budget. Its great because if you don’t have a card on you and no more cash, it will force you to refuse things you don’t really need.

Budget – Budget every aspect of your life. Trust me it helps.

Side Hustle – Get that side hustle going.

Negotiate your Bills Down – Psst. Y’all I didn’t even know that this was even possible. I don’t know if it works with any sort of amount but it won’t hurt to ask.

Re-Finance or Consolidate debt – Pretty self explanatory.

That’s all for today. I want to encourage you to keep going. If you trying to pay off your debt and your running low on fuel. Think of how good it will feel when you get out of the ditch and your able to live your life freely not worry about debt.

Couple other things I want to say before you go have a weakly or a bi weekly check up whether it be just you or with your partner. Go over how much you made this week or just motivate each other and watch some motivational videos of other people and how the got out of debt.

Also after you do get out of debt, try to save up for an emergency fund and then go live your life. BUT without your credit card.

Alrighty Ya’ll. I got go check all my bills.

Have a blessed and debt free day.



12 Replies to “How to Get Out of Debt”

  1. i really need to sell some of our clutter. we have so much! great tips!

    1. oh yea me too. I have been meaning to try selling things on ebay. Never get around to getting signed up.

  2. Some very helpful and not so obvious tips here. I also found that instead of popping into the shops a number of times during the week and changing to only going once a week has also helped me stop spending unnecessarily. Thank you

    1. Thank you for visiting and commenting. It does help with the spending less.

  3. Yes I’m guilty of not using cash when i should. I have a bad habit of using my credit card(s) and more. As of now I’m using Adsense as my side hustle so hopefully I’ll see it grow real soon. Thanks for sharing.

    1. Awesome. Don’t worry about it we all use cards more than we would like to admit. I just recently started using Adsense too.

  4. These are all really great tips. I have things that are sitting in my closet that I purchased years ago that still have the tags on them that I can sell. Getting debt is easy but getting out can be a challenge.

    1. That is true. Especially when we use a card its so easy to just slide and slide and slide. It adds up so much

  5. Oh yeah! Get that credit built up! Almost nothing puts a larger damper on a mood than being in debt. Great suggestions. Hope this helps people find freedom from debt. 😊

    1. Debt sucks and I hope many of use get to taste what financially freedom feels like. Thanks for visiting.

  6. We currently use only one car too so we can afford our medical expenses… and we do live on a budget.. Really makes a huge difference how you mange your expenses once you set a budget. Great tips. Really useful

    1. Thanks so much for sharing.

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