7 Debt-Beating Hacks To Pay Down $10K Or More

Unlock A Lifetime Of Savings On Your Monthly Bills With This Pocket Assistant

In a world where prices are rising faster than incomes, every dollar counts, and finding ways to cut back is crucial. That’s why we’re big fans of the app BillTrim! With bill monitoring, negotiation, and autopay services, this app is the ultimate money-saving sidekick!

And the best part is for a one-time fee of just $99, you’ll enjoy a lifetime of savings. Think about it – with more than 25,000 bill service providers supported and potential savings of $900 a year on average, this is a steal. And if they can’t save you at least $300, it’s on the house!*

So how does it work?

1. Link your bills and bank account to the app and BillTrim’s team of professional negotiators will keep a watchful eye on your bills, constantly analyzing them and tirelessly seeking opportunities to get you cheaper rates to combat inflated costs.
2. If any sneaky price hikes come up on a bill leading up to its due date, BillTrim will step in to investigate and negotiate them down before they hit your wallet.
3. Plus, with their autopay feature, you’ll never miss a payment again and can dodge those pesky late fees.

Let BillTrim handle the nitty-gritty of your bills while you focus on the things that truly matter.

* You must link and pay three bills to qualify

Get Up To $500 Whenever You Need It — No Credit Check Or Delays

In need of some extra cash to get you through a tough spot? We’ve all been there, and sometimes all you need is just a few extra hundred dollars to hold you over until your next paycheck.

When the going gets tough and money is tight, the app Dave is always there to help. Dave offers quick relief with cash advances up to $500 without all the complexities of a traditional bank loan. There are no credit checks, interest charges, or late fees, and it offers fast deposits — I’m talking in as little as a few minutes.

Getting an ExtraCash™ advance from Dave is simple:

1. Link your bank account, answer a few questions, and Dave will confirm your eligibility and borrowing limit.
2. Choose the desired amount within your limit and submit your request.
3. Get your advance instantly with a Dave Spending Account, pay a small fee for an external debit card transfer, or receive it free within one to three days to an external bank account.
4. Dave provides a settlement date, typically your next payday or the nearest Friday after taking the advance, to repay the borrowed amount.
5. Once the borrowed amount is repaid, the cool-off period ends, allowing you to borrow again.

If you don’t end up spending all of the money you borrowed, you can transfer it over to your ExtraCash™ account, reducing the amount you’ll have to pay back next time.

If you’re looking for a more steady way to boost your income, check out Dave’s side hustle listings. You can explore and apply for local and flexible jobs, including paid survey opportunities, from its network of partners. Since launching this feature in 2019, Dave has connected thousands of members with profitable gigs that have earned them millions.

Whether you need help covering bills, money for groceries, or better earning opportunities, Dave’s got you covered.

Don’t Let Your Electricity Bill Drain Your Wallet

Tired of your electric bill creeping up every month despite your best efforts? We’ll let you in on a simple hack that can help: Arbor. It’s a company that helps you lower your electric bill on an ongoing basis. On average, homeowners and renters save $544 a year through this company.

Using Arbor is simple:

1. Link your electric account or upload your most recent bill.
2. Arbor will keep an eye out for opportunities to reduce your rate.
3. When a lower rate is available, Arbor will secure it for your next billing cycle and send you an alert with details about your new rate, its duration time, and the supplier.

That’s it. You don’t have to change your utility provider, and there won’t be any interruption or reliability in your service. It’s easy savings in a few clicks. The best part? This service is free.

Save Money On Home Repairs With This One Move

When it comes to being a homeowner, the expenses don’t end at mortgage payments, property taxes, and insurance. There’s also the often-overlooked cost of repairs, which can wreak havoc on your finances. According to a survey by the insurance company Hippo, homeowners spent an average of $6,000 on repairs in 2022. From minor repairs, like refinishing wood floors to unexpected ones like burst water pipes, home repair bills can add up quickly. And budgeting for them alongside all of your other financial responsibilities can be difficult.

Unfortunately, normal wear and tear repairs are not covered by homeowners insurance. So how do you keep those high out-of-pocket costs from bankrupting you? Choice Home Warranty. This company is a leader in home warranty coverage. Their service contracts can help cover repairs for major home appliances and systems. A typical plan can cover things like air conditioning, heating systems, plumbing systems, water heaters, garbage disposals, dishwashers, stoves, and so much more. So instead of paying one large lump sum for every major repair — and trust, there will be plenty over the years — just pay a low monthly premium. Choice Home Warranty will help handle the rest. They have a nationwide network with more than 25,000 contractors, have covered more than 1.9 million homes across the country, and have handled more than six million service requests.

Choice Home Warranty offers two low-cost and customizable plans and additional optional coverage, allowing you to tailor your coverage to your home and needs. Since 2009, Choice Home Warranty has received more than 20,000 five-star reviews and has been rated the best home warranty four years running by U.S. News 360 Reviews.

Interested in learning more? You can get your free quote for coverage in minutes, plus your first month free when you sign up.*

*With purchase of single payment plan. The product being offered is a service contract and is separate and distinct from any product or service warranty which may be provided by the home builder or manufacturer

See If You Qualify For Debt Relief

Debt can quickly spiral out of control, leaving you feeling overwhelmed and stressed. If you have gotten to a place where your debt feels unmanageable alongside your other bills and financial obligations, TURBODEBT can help.

Whether you have credit card debt, personal loans, or other unsecured debt, TURBODEBT can help. It connects borrowers with a debt relief program that endeavors to best suit their unique needs.

1. Just answer a brief questionnaire that will give TURBODEBT a better understanding of your debt situation
2. Next, you’ll get a free consultation with a representative about your debt relief program options
3. Choose the one that’s best for you and move forward with applying for assistance

It’s that simple. Get a free TURBODEBT consultation today to see what debt relief options you could qualify for.

Use This Website To Explore Debt Consolidation Options You Prequalify For

If you have high-interest credit card debt across multiple cards, consolidating them under a personal loan can make managing and paying them off easier. Personal loans have lower interest rates than credit cards – meaning you’re taking on less additional debt — and instead of having multiple monthly payments and interest rates to worry about, you would only have one of each.

To avoid a time-consuming or stressful personal loan search, you can use CashUSA to get a personal loan match. Unlike most lending platforms that have credit score minimums, CashUSA does not have one, providing an inclusive environment through its network of lenders.

Borrowers can apply for loan amounts between $500 and $10,000 and rates ranging from 5.99% to 35.99%. If you are unable to receive a loan offer from a lender, CashUSA may send you offers for debt relief, credit repair, or other similar services for alternative assistance. If approved for a loan, you will receive your funds by the next business day.

Start Earning More Money With A Flexible Side Hustle That Let’s You Work Anytime, Anywhere

If you’re looking for an easy-going side gig with steady pay and flexibility, DoorDash is an option you should definitely look into.

DoorDash is an on-demand delivery service that contracts people to deliver orders right to a customer’s doorstep. You can deliver food as a “Dasher” via car, bike, scooter, or motorcycle on your own time. Your earnings, which you can track your earnings through the app, will be direct deposited into your bank account every week

Unlike services like Uber or Lyft that limit you to only working in the state your vehicle is registered in, you can make deliveries in all 50 states with DoorDash. So no matter where you go, if you need some extra spending money, you can just pull out your phone, open the DoorDash app and start taking orders.

Boost Your Credit Score With Help From This AI-Powered App

Incurring debt can take a toll on your credit score and limit your financial opportunities. If your credit score falls in the “poor” category, finding loan options with low interest rates can become a real challenge when trying to refinance or consolidate debt. Fortunately, Cleo can help give your credit score the boost it needs to put you in the best possible position when the time comes.

Cleo is an app that offers a credit-building card that allows you to use your everyday purchases to build positive payment history. How does the card work? It’s pretty simple.

1. You put cash into a security deposit for the card, which doubles as your credit limit
2. Use the card to shop and Cleo will make automatic payments for your purchases using the security deposit you set aside for the card
3. Payments are reported to Experian, Equifax, and TransUnion

The Cleo credit builder card doesn’t charge interest and there is no credit check needed to apply for it. And you only pay $14.99/month for the service.

Cleo’s also offers a free AI-powered budgeting tool, which acts as the perfect accountability partner to help you stick to your budget. You can set limits for different spending categories and track your expenses. And the app’s chatbot interface feels like you’re talking to a friend who will remind you of your financial goals, offer insights, encourage you, and even provide tough love when needed.