27 Easy Hacks to Get Rid Of All Your Debt

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1. Write Down All Your Debts

If your debts live only in your head, they’ll feel ten times bigger.

Seeing them on paper makes them real. and manageable.

Here’s how to make it simple:

List every debt. Include the name, balance, and minimum payment.
Add interest rates. So you know which ones are draining you fastest.
Rank them smallest to largest. Perfect for using the debt snowball method.

👉 Here's How You'll Do It: Grab a notebook or spreadsheet and list all your debts, from smallest to largest balance, right now.

Make It Easy: Use Undebt.it to organize your debts automatically and visualize your payoff plan beautifully.

2. Write Down All The Money You Spend

You can’t fix what you don’t track.

When you actually see where your money goes, you’ll realize those “small” purchases are the real culprits.

Here’s how to track smartly:

Write it all down. Even that $4 coffee counts.
Spot patterns. Notice where your money disappears every week.
Adjust fast. Cut or limit anything that doesn’t bring you joy or progress.

👉 Here's How You'll Do It: Track every expense for one week using pen and paper or a phone note, then total it up.

Make It Easy: Consider a small pocket expense tracker so you can jot down spending on the go.

3. Stop Buying Things You Don’t Need

Let’s be honest. Half the stuff you buy ends up unused, right?

Impulse shopping is one of the biggest debt traps, but you can outsmart it.

Here’s how to keep your wallet happy:

Pause before buying. Wait 24 hours before hitting “checkout.”
Ask one question. “Do I really need this, or do I just want it?”
Unsubscribe from temptation. Those sales emails are not your friends.

👉 Here's How You'll Do It: The next time you want to buy something, add it to a wishlist and revisit it in a week. You’ll skip most of them.

Make It Easy: Consider a “do not spend” envelope to stash cards away during spending detox days.

4. Save A Little Cushion For Emergencies

If you don’t have a backup, one emergency can wreck your whole payoff plan.

Even $500 can save you from sliding back into debt.

Here’s how to build your cushion:

Start tiny. Save $10, $20. whatever you can weekly.
Use a separate account. Keeps you from “accidentally” spending it.
Name it something fun. Like “Freedom Fund” or “Peace Pot.”

👉 Here's How You'll Do It: Open a new savings account today and transfer your first $20. No excuses.

Make It Easy: Use a Betterment Cash Reserve Account to automate saving and grow your cushion faster.

5. Pay Off Your Smallest Debt First

Winning early keeps you motivated. It’s all about quick wins, not just big ones.

This is why the debt snowball method works so well.

Here’s how to make it exciting:

Start small. Crush your lowest balance first for momentum.
Celebrate progress. Each win feels amazing and fuels your next one.
Roll it over. Take that payment and apply it to the next debt.

👉 Here's How You'll Do It: Pick your smallest debt, pay it off as fast as possible, and then tackle the next one like a boss.

6. Put Payments On Autopilot

If remembering payment dates stresses you out, let automation do the work.

You’ll avoid late fees and stay consistent without even thinking about it.

Here’s how to keep it effortless:

Set auto-pay. Schedule payments for payday to stay ahead.
Track confirmations. Make sure each payment clears correctly.
Stay alert. Review statements monthly to catch mistakes early.

👉 Here's How You'll Do It: Log into your accounts today and activate automatic payments for all regular debts.

Make It Easy: Consider a monthly bill organizer notebook to track due dates and keep everything tidy.

7. Always Pay More Than The Minimum

Paying only the minimum is like trying to bail out a boat with a spoon.

You’ll never get anywhere fast if you don’t tackle the balance itself.

Here’s how to speed things up:

Add a little extra. Even $25 more per payment helps.
Cut interest costs. Paying more reduces how much you owe long-term.
Recalculate regularly. Watch those payoff dates move closer. super satisfying.

👉 Here's How You'll Do It: Round every monthly payment up to the nearest $50 to shave months off your timeline.

8. Use Cash Instead Of Cards

When you swipe, it doesn’t feel like real money. Cash keeps it honest.

You’ll spend less just because handing over bills hurts a little.

Here’s how to make it work:

Set weekly limits. Withdraw what you need for groceries and gas.
Label envelopes. Give each category its own cash stash.
Leave the cards at home. Out of sight, out of temptation.

👉 Here's How You'll Do It: Try using only cash for daily expenses this week and see how much you save.

Make It Easy: Consider a cash envelope wallet with labeled sections for groceries, gas, and fun money.

9. Switch To A Cheaper Car

If your car payment eats your paycheck, it’s time to downsize.

You can still drive something reliable without the fancy price tag.

Here’s how to make the switch smart:

Sell your current car. Use the profit to pay down debt.
Buy used. Choose something with good mileage and low insurance costs.
Compare options. Always check loan rates before committing.

👉 Here's How You'll Do It: Research local listings tonight for affordable used cars that fit your budget and needs.

Make It Easy: Consider a car valuation guidebook to check fair prices before selling or buying.

10. Avoid Impulse Spending At Stores

You know that moment. You walk into Target for toothpaste and leave with a cart full of “essentials.”

Impulse buys are sneaky little debt creators, but you can outsmart them.

Here’s how to stay in control:

Make a list. Stick to what you came for, nothing else.
Set a timer. Get in, grab what you need, and get out.
Avoid “just browsing.” That’s code for “I’ll spend money I didn’t plan to.”

👉 Here's How You'll Do It: Before every shopping trip, write a list and promise yourself you’ll only buy those items. nothing more.

Make It Easy: Consider a reusable shopping list notepad to keep your trips intentional and focused.

11. Put Away The Credit Cards

If your credit cards are always “just in case,” let’s be real. They’re the reason you’re stuck.

Out of sight means out of temptation, and that’s exactly what you need right now.

Here’s how to keep them from sneaking back in:

Freeze them. literally. Put them in a zip bag of water and toss them in the freezer.
Remove saved cards online. Delete them from shopping apps or browsers.
Carry cash only. The extra effort to pay stops impulse swipes.

👉 Here's How You'll Do It: Take five minutes right now to remove your cards from Apple Pay and online stores. You’ll thank yourself later.

Make It Easy: Consider a small personal safe to lock your cards away when not in use.

12. Start A Small Side Job For Extra Cash

If your paycheck barely covers your bills, you don’t need more hours. You need more sources.

A small side hustle can make a big difference fast.

Here’s how to earn extra without burning out:

Pick flexible work. Try delivery, pet-sitting, or online freelancing.
Use weekends wisely. A few hours can bring in solid cash.
Save every dollar. Treat it as “debt money,” not “fun money.”

👉 Here's How You'll Do It: Sign up for one small gig app this week and dedicate that income 100% to debt payments.

Make It Easy: Consider a car phone mount if you drive for delivery gigs to keep things safe and efficient.

13. Sell Old Stuff You Don’t Need Anymore

You probably have hundreds of dollars sitting in your closet or garage right now.

Turning clutter into cash feels ridiculously good. and it helps your debt shrink faster.

Here’s what to do next:

Check resale apps. List clothes, furniture, or tech online.
Host a quick garage sale. Old stuff, fresh cash. win-win.
Put all earnings toward debt. Don’t even think about spending it.

👉 Here's How You'll Do It: Walk around your home this weekend and fill one box with things you can sell today.

Make It Easy: Use Neighbor.com or Fat Llama to rent out unused stuff while you wait for buyers.

14. Cancel Subscriptions You Rarely Use

If you forgot you were paying for that streaming app, you’re not alone.

Those small charges add up fast and quietly steal your progress.

Here’s how to cut the waste:

List them all. Check your bank statement for every recurring charge.
Cancel what you don’t love. Be ruthless. Keep only what you use weekly.
Redirect that money. Add it straight to your debt payment fund.

👉 Here's How You'll Do It: Open your banking app, scroll through transactions, and cancel two unused subscriptions right now.

Make It Easy: Use Rocket Money to find and cancel unwanted subscriptions in seconds.

15. Put Raises Or Overtime Toward Debt

When extra money hits, your first thought shouldn’t be “treat yourself.”

Redirecting it toward debt helps you move faster without changing your lifestyle.

Here’s how to make it stick:

Pretend it doesn’t exist. Apply it immediately before it tempts you.
Automate transfers. Set a rule to move extras straight to payments.
Track your wins. Watch the payoff speed up and stay motivated.

👉 Here's How You'll Do It: When your next raise or bonus hits, send 100% of that extra income directly to your highest debt.

16. Change To A Cheaper Phone Or Internet Plan

You don’t need a premium plan to scroll memes or check email.

Switching to a cheaper provider can save you hundreds every year.

Here’s how to keep more money in your pocket:

Compare rates. Most carriers have budget-friendly options that still do the job.
Bundle smart. Combine services to lower your overall bill.
Avoid contracts. Go prepaid or month-to-month for more flexibility.

👉 Here's How You'll Do It: Call your provider today and ask if they can match or beat a competitor’s lower rate.

Make It Easy: Consider a dual SIM unlocked phone so you can switch carriers easily anytime.

17. Cook At Home To Save Money

Eating out might be convenient, but it’s also where your money quietly vanishes.

Cooking at home saves more than you think. and can actually be fun once you get the hang of it.

Here’s how to make it work:

Meal prep on Sundays. Cook once, eat all week.
Use what you have. Build meals around ingredients already in your kitchen.
Pack lunches. Skip pricey takeout during work breaks.

👉 Here's How You'll Do It: Pick three easy meals to cook this week and stick to them instead of ordering out.

Make It Easy: Consider a meal prep container set to portion food for the week ahead.

18. Lower Your Monthly Bills

You’d be surprised how much you overpay just because you never renegotiate.

Most companies count on you not noticing.

Here’s how to cut those bills down fast:

Call every provider. Ask for better rates on the internet, insurance, and utilities.
Review auto-renewals. Cancel or downgrade anything not essential.
Set reminders. Recheck rates every six months to stay ahead.

👉 Here's How You'll Do It: Spend one afternoon calling your providers and say the magic words. “Is there a loyalty discount available?”

Make It Easy: Use Insurify to compare insurance rates and save on monthly payments.

19. Put Tax Refunds Or Bonuses Toward Debt

It’s tempting to spend that sudden windfall. But that’s how debt sticks around longer than it should.

Use that extra cash to crush a balance instead.

Here’s how to make it count:

Decide early. Before the money hits, plan exactly where it’ll go.
Target high interest. Knock out your most expensive debt first.
Celebrate progress. That refund just bought you months of freedom.

👉 Here's How You'll Do It: When your refund lands, immediately apply 80–100% of it to your top debt before you can rethink it.

20. Track Wins And Reward Yourself Cheaply

Paying off debt can feel slow. But celebrating small victories keeps you going.

The key is rewarding yourself without backtracking.

Here’s how to do it smartly:

Celebrate milestones. Each paid-off balance deserves a happy dance.
Choose free rewards. Think beach day, movie night, or bubble bath.
Track progress visually. Seeing results keeps motivation alive.

👉 Here's How You'll Do It: Mark every debt-free milestone with a fun, no-spend celebration like a park picnic or movie night at home.

Make It Easy: Use Undebt.it to see your progress visually and stay motivated with every payment.

21. Keep Your Lifestyle Simple Until Debt Is Gone

You don’t have to live like a monk, but simplicity saves serious cash.

The less you try to “keep up,” the faster you’ll reach freedom.

Here’s how to simplify smartly:

Cut the extras. Skip luxury upgrades and “treat yourself” splurges.
Focus on needs. Ask, “Will this make my life easier or just fancier?”
Stay consistent. Every small choice adds up to big results over time.

👉 Here's How You'll Do It: Stick to your current lifestyle and direct every new raise or bonus toward your debt instead of lifestyle upgrades.

Make It Easy: Consider a minimalist wallet to carry only what you truly need every day.

22. Share Your Goals With A Friend For Support

Debt feels lighter when you’re not carrying it alone.

Having someone cheering you on keeps you accountable and motivated.

Here’s how to make it count:

Pick your person. Choose someone supportive, not judgmental.
Set check-ins. Weekly or monthly progress chats work great.
Celebrate together. Share wins and keep each other on track.

👉 Here's How You'll Do It: Text one trusted friend today and tell them your debt-free goal. They might even join you.

23. Skip Vacations Until Debt Is Paid

A “quick getaway” can cost months of progress.

Stay focused now so future vacations are guilt-free and fully paid for.

Here’s how to handle the travel itch:

Plan staycations. Explore your city or nearby nature spots.
Use reward points. Save them for a future, debt-free trip.
Remind yourself. Every skipped trip gets you closer to freedom.

👉 Here's How You'll Do It: Set up a “future trip fund” and deposit a small amount monthly once your debts are gone.

Make It Easy: Use Betterment Cash Reserve Account to save travel funds automatically after becoming debt-free.

24. Learn How To Budget The Easy Way

Budgeting isn’t about restriction. It’s about giving every dollar a job.

Once you know where your money goes, you control it (not the other way around).

Here’s how to make it painless:

Start simple. Divide your money into bills, savings, and fun.
Use categories. Helps you see what’s eating up the most cash.
Review often. Adjust every month as life changes.

👉 Here's How You'll Do It: Create a basic budget with three sections. needs, savings, and wants. and stick to it for 30 days.

Make It Easy: Consider a monthly budget planner book to visualize your spending and savings goals.

25. Don’t Add New Debt While Paying Off

Paying off debt is like trying to drain a tub. Just don’t turn the faucet back on.

New debt kills your momentum faster than you think.

Here’s how to stay clean:

Use cash or debit. If you don’t have it, don’t buy it.
Avoid “buy now, pay later.” Those small payments snowball fast.
Focus on progress. Every debt-free month is worth celebrating.

👉 Here's How You'll Do It: Delete buy-now-pay-later apps and stick to using only the money you already have.

Make It Easy: Consider a simple cash budgeting envelope system to limit spending to what’s in hand.

26. Circle The Date You’ll Be Debt-Free

You know what keeps you fired up? A finish line.

Having a specific debt-free date makes your goal real. and motivates you to push harder.

Here’s how to lock it in:

Pick your payoff day. Use your debt total and monthly payments to estimate it.
Mark it everywhere. Write it on your mirror, planner, or fridge.
Visualize freedom. Every payment moves you closer to that moment.

👉 Here's How You'll Do It: Calculate your debt-free date, circle it on your calendar, and look at it every morning as a reminder.

Make It Easy: Consider a large wall calendar to track your countdown and cross off each payment month.

27. Think About The Freedom You’ll Gain

Imagine waking up with zero payments and full control of your money.

That peace of mind? It’s the ultimate reward for every sacrifice you’ve made.

Here’s why it’s worth it:

Less stress. No debt means no more juggling bills or anxiety.
More choices. You decide where your money goes, not creditors.
Real independence. You’re finally free to build wealth, not chase payments.

👉 Here's How You'll Do It: Picture your debt-free life every time you feel tempted to spend. because that vision is your motivation fuel.

Make It Easy: Consider a vision board kit to visualize your financial freedom goals clearly and creatively.

📌 SAVE IT FOR LATER! 📌

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