48 Brilliant Ways to Pay Off Debt Without Getting a Second Job
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2. Use BillCutterz to negotiate lower monthly bills.
Honestly? I hate the negotiating process, and this is why I heart BillCutterz.
BillCutterz will do the dirty work for you by contacting each of your service providers and negotiating all of your monthly bills!
If BillCutterz is able to talk one of your bills down to a lower price, you split the savings with them for one year, but after that, the difference is all yours.
3. Save $100 a month by dropping cable and going app-based.
I recently dropped my satellite TV service and spent $35 (one-time fee) for a digital antennae.
Now I get all the local channels for free, plus I get great reception. Then I subscribed to Hulu for $7.99 a month. I was already paying $7.99 a month for Netflix and am an Amazon Prime member, so I have plenty of choices and ways to watch my favorite shows.
And you can totally share your Netflix, Hulu, or Sling TV accounts with extended family or close friends. Each of you only pays for one of them, but you get access to all three! (I promise, it’s legit!)
5. Earn $50 per month reviewing bands and fashion items with Slice the Pie.
You can get paid to write reviews for new songs, commercials, and fashion items before they’re released to the public.
Most of your reviews go directly to the unsigned artists or fashion designers.
It might take a little time to build up your reputation, but once you do, earn an extra $50+ per month just by spending 5-10 minutes listening to aspiring musicians and fashionistas.
6. Get paid to cook dinner for other people through Eat With.
Who knew you could earn money hosting dinner parties?!
With over 500 Hosts around the world, this Airbnb startup allows you to join the culinary revolution and earn up to $265 profit monthly by catering to the community in your own home (or backyard).
If you’d rather dream up amazing recipes and not play host, check out Contest Cook for opportunities to win up to $500 (or more) in prizes!
7. Get paid to watch movie previews with Fusion Cash.
This is another company that offers money to try products or fill out surveys, but you can also get paid for watching movie premiers and other videos.
You get $5 just for signing up and each time a friend you refer signs up.
8. Get paid to let Fronto put an ad on your smartphone.
Fronto puts ads on your phone in place of the lock screen.
You can swipe to learn more about the company or offer in the ad; if not, unlock your phone as usual.
You don’t have to visit any websites or buy anything, but you will get Amazon gift cards or PayPal cash just for letting those ads appear.
9. Earn $18-25 per hour making deliveries for Amazon.
Did you know you can make serious cash delivering Amazon Now packages?
You use your own car and choose your hours. Here are 13 more ways to earn money with Amazon.
Take advantage of the hand-curated deals we find daily and jump in.
We don’t use algorithms to find deals; we have actual human beings in the stores doing coupon matchups and finding deals.
The Krazy Coupon Lady website: Search deals by store, or even select “Smartphone-only deals” to see deals you don’t need newspaper coupons for. (There’s a TON of them!)
The KCL app: Use the app to select your favorite stores, browse deals, add deals to your shopping list and then post your couponing brag!
16. Resell clothes, handbags, and shoes on ThredUp.
If you want to save serious cash, like 80%, on slightly used designer brands, ThredUp is a great place to look.
It’s also the perfect place to sell your clothes, handbags, shoes and kids’ clothes. They send you a bag that you fill with stuff and drop off at any USPS or FedEx Kinko’s.
You can even get an estimate on how much they’ll give you with their online clothing calculator.
17. Earn money as a Mystery Shopper.
Mystery shopping spans a ton of industries like financial institutions, automotive, and healthcare.
The easiest way to find opportunities to mystery shop is to sign up with a third-party company that contracts with actual businesses like Sinclair Customer Metrics or Best Mark.
You can browse assignments, look at the pay, and decide which ones you’re up for.
I’m not just talking about selling old books lying around your house. Some people make serious cash, like 12K per year, going on treasure hunts with the BookScouter mobile app.
You can compare offers from over 35 book buyback vendors to see who would pay you most for a certain book. No registration is required, and there’s no fee.
If you’re addicted to capturing the beauty around you with your iPhone, you should learn about Foap.
Companies are always looking for fresh “stock” type of photography that doesn’t look like a stock image.
If Foap accepts your image, you could get $5 each time it’s downloaded. Yep, you read that right. It means you could sell the same image over and over.
23. Run errands for other people as a TaskRabbit tasker.
TaskRabbit offers something for you even if you already have a crazy-busy life.
You can choose to make deliveries for people on your schedule and at your own pace.
Or if you want to spend a little more time and make a little more money, you can choose to help people move, clean, or do odd jobs.
24. Flip new (unused) clothes and shoes by selling on Inselly.
So, here’s what you do: check out department store end-of-season clearance (think Dillard’s, Nordstrom, Macy’s) or brands you know are hot (J.Crew, Banana Republic, Anthropologie); buy when you know you could turn a profit; then sell on Inselly, an Instagram-based marketplace.
Post your items for sale via a photo on Instagram, and label and tag them with #inselly to start selling.
25. Earn money doing laundry through Laundry Care.
Sign up to be a home-based launderer, and start taking clients in your area.
If you enjoy doing laundry and you have good attention to detail, this may be a good fit for you.
Not only can you get coupons through Shopkick, but you can earn “kicks” or reward points just for walking into certain stores, scanning products with your smartphone (no need to buy the product!), using your credit cards, or scanning your receipt.
Cash your kicks in for gift cards!
For example, you can get a $5 Macy’s gift card just for walking into Macy’s 9 times.
33. Share your shopping selfies through Stylinity.
This is a fun one if you love to shop and consider yourself a bit of a fashionista.
Take selfies in clothes from participating Stylinity retailers (no need to buy, just snap your selfies in the dressing room), upload your images to the site, and then share.
You get paid when people shop your look.
34. Get paid per click on your Twitter or YouTube accounts with MyLikes.
This is especially great for bloggers.
Sign up with MyLikes and share sponsored tweets, or place the MyLikes widget on your accounts to get paid per click.
More followers = more clicks = more cash. And after the initial setup, you do nothing.
35. Use Paribus to get effortless price adjustments on your purchases.
Okay, watching for price adjustments is a great way to get money back when things you just bought go on sale.
But who has time for that?? Especially another trip to the store. Now you can get the sale price without even thinking about it again when you sign up for Paribus.
When using credit cards, you must always pay them off monthly (no exceptions), purchase only what you can afford, and keep certain cards at home to avoid impulse buys.
If you’ve mastered your self-control, go ahead and get in on some of these top store credit card offers like Pottery Barn (10% cash back) or Target (5% cash back AND free shipping).
37. Shop with discounted gift cards from Raise.com to easily save 12-15%.
You’ve heard me preach about this before. Before making ANY online purchases or pre-planned store purchases, search for a gift card on Raise.com.
They can run up to 15% below face value. Get the code for the gift card, and use that to pay, saving you instant cash.
If you love making things, might as well make money doing it!
Etsy is a tried and true marketplace where people make and sell anything from music boxes, to scarves, to umbrellas.
Keep in mind you’ll pay three fees: a listing fee, a transaction fee, and a payment-processing fee.
You’ll pay $0.20 per listing you publish in the Etsy marketplace. This gives you four months to sell your item, and once it sells, you’ll pay a 3.5% transaction fee on the sale price (doesn’t include cost of shipping).
Do you love to write, have years of graphic design experience or an accounting background?
Upwork is a platform for people to find freelancers with the skills they need to finish a project.
Go to Upwork and set up your profile (let’s be honest, it’s more like a portfolio or resume, so make sure you have quite a few minutes). Once you’ve been approved, you can start trying to get work.
Keep in mind, it might not be the best bang for your buck. Jobs are often bid out at very low price points. But Upwork is a great way to build your portfolio, so you can chase even more freelance opportunities.
Have you always dreamed of writing a book? Getting published and selling your work is easier than ever before.
Once you’ve written your manuscript, simply upload it to Kindle Direct Publishing, set your sale price, and start earning 70% royalty.
It’s free and your eBook shows up next to everything else on Amazon within 24 hours.
Now you’ll want to ramp things up on social media, because in order to be really successful with an eBook, you’ll want to tell everyone you know to go check it out on Amazon.com.
This might take a certain interest and skill. But it can be totally fun and profitable, especially considering the current midcentury modern craze and mid-mod vintage style popularity.
Check thrift shops, Craigslist or estate sales, and then figure out how to upcycle out-of-style pieces.
