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HomeBlog Debt5 Things to Help You Start Paying Off Debt Today
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5 Things to Help You Start Paying Off Debt Today

February 4, 2021 by Josephine Nesbit

Learn about how to start paying off debt today
See how to start paying off debt today
It’s not all about the big wins. Taking those little steps to start paying off debt today can make a huge difference. Consumer debt in the United States has grown by 19% since 2009 with a record high of over $14 trillion, according to Experian data. Debt is the number one cause of stress for many Americans. However, if you want to start paying off debt today, there are steps you can take.

Here are our top five ways to start paying off debt right now.

1. Cut Spending

The number one thing you can do to start paying off debt today is to cut your spending and stop adding to your debt. Look at your bank statements and credit card purchases to figure out how much you’re spending each month on luxuries or other unnecessary expenditures.

Cancel any unneeded subscriptions such as Netflix or Hulu. Instead of ordering takeout or going to a restaurant, make a meal at home. Take the money you saved from cutting expenses and put that towards your debt.

You can cut spending down even further, too. Next time you go grocery shopping, look at store flyers or the store app to see what’s on sale. Instead of buying brand name, go generic instead. Need coffee in the morning to start your day? Make it at home instead of buying it at Starbucks. Brewing a cup of coffee at home costs between $0.16 and $0.25, while the average cost of coffee from a shop is $2.70. There are plenty of ways to reduce your spending by making little adjustments to your spending habits.

2. Look at Your Monthly Bills

Look at your monthly bills. Can you make any changes right now to reduce your bills? For example, can you choose a cheaper phone or cable plan? Can you eliminate one altogether?

There are ways to lower your energy bills, too. Take shorter showers, turn lights off when you’re not using them, and wear a sweater instead of turning the heat up. There are also peak hours and rates, depending upon your location and the time of the year, that can affect your bills. Energy used during peak hours can cost 14 times more than during off-peak hours. Check with your energy companies to determine peak hours.

3. Pick Up a Side Gig

Combine spending less with extra income and you can start paying off debt today even faster. Plenty of options exist for side gigs, and some you can do from home. If you have a reliable car, you can sign up to be a rideshare or delivery driver. You can also do some pet sitting or babysitting around your city or in your neighborhood. Do you have a spare room? Consider renting it out. Plenty of work opportunities exist online as well. Freelance writers, editors, social media managers, and virtual assistants are able to make a living doing these jobs full-time.

Side gigs are becoming much more common as a source of supplemental income. They’re much more flexible than a typical full-time position and some require little to no experience to get started. Even an extra $100 a month toward debt makes a difference.

4. Sell Items for Cash

Do you have anything around the house that’s collecting dust? You can sell items online or have a yard sale to sell personal items of value that you don’t want or need. This is something you can do right now and have money in your pocket or bank account by the end of the day. Look through the basement or attic. Go through your closets and take out clothing and shoes that you don’t wear anymore. These can be sold online or at a consignment shop for extra cash.

5. Lower Interest Rates

Another option that helps if you want to start paying off debt today is to see if you can lower your interest rates. It’s not a guarantee, but you can call your credit card companies or other lenders and ask if they’ll lower your interest rate.

Another option is a balance transfer credit card. This is done by moving high-interest credit card debt onto a card with a lower interest rate. This isn’t always suggested and it depends on your situation; but, if you plan to pay off debt quickly, it’s a viable option.

Start Paying Off Debt Today

Being in debt might make you feel alone and hopeless, and seeing it continue to pile up might make you feel like giving up. No matter your financial situation, you can take the little steps we mentioned to start paying off debt today. Debt doesn’t have to be forever, but action is needed to pull yourself out of debt.

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"When I called National Debt Relief, I was at a point where I was"

** Audited by: Dianne Ernsting ** Easy National Debt Relief Caller: Nocona Transcribed WE 2/28/2021 Nocona: The call is recorded. Tell me a little bit about how you came across National Debt Relief and why you decided on their program over some of the others that are available. TRACY: I actually did an internet search. National Debt Relief was the first one that came up. I looked at that one, and I kind of looked at a couple others. And it's been so long, I can't remember exactly what it was that made me interested in National Debt Relief over the others. But I ended up calling to just get some more information. And I talked to a woman. I believe her name was [Sierra Myers 0:01:08] or [Sierra Meyer 0:01:10]. I believe that's her name. Again, it's been a long time since we started the program. I can't remember. I mean, when I called, I was at a point where I was crying on the phone with her. And she was so kind and calm and caring and understood where I was coming from. And we had been through a really bad time. Our granddaughter had died at birth. And I just had gone into a complete tailspin. And that's why we ended up where we were. So I got information from her. I talked to my husband. And we decided to go with National Debt Relief. Nocona: Tell me a little bit about the customer service side of things. How did you feel about the way they handled any questions you had along the way or just the communication overall? What was it like? TRACY: I've been very pleased with the communication overall. I sometimes wish that things could go a little bit faster. [chuckles] But that's just because I just want to get through the program a little bit quicker. But just based on where we are and what we had to do and how much money we can put into it every month, we are doing what we can. But when I call and I have questions, they always answer my questions, and they do it very well. Nocona: Is there anything that you think they could improve about the process or anything you'd like to see them do differently? TRACY: No. The only thing that I know just sometimes -- and I don't think this is on National Debt Relief's side of things, but I know that a lot of times I'll get calls from debtors, and they're wanting information, and they claim that they can't talk to National Debt Relief. But I think that a lot is coming from the creditors' side of things, because they want us to settle with them. So just that part of it can be a little frustrating at times. But again, I think that's probably more on the side of the creditors than National Debt Relief. Nocona: Any advice for people that are thinking they might have to go through this kind of program? Anything that you think is helpful to either be aware of or to be ready for when you start it? TRACY: Definitely be ready for the fact that it's not something that is just a one-year program. It takes a while to get through. That was something that I was definitely not ready for. I didn't expect that we would still be looking at being in the program for at least another year, is something that I definitely did not expect. 'Cause I believe we started in 2018. And I had kind of hoped that at this point in time we would be getting ready to graduate from the program. So that's something that someone should be aware of. Not that it's a bad thing. Just being aware that it does take longer than what you think it will. Nocona: Just based on the experience you had going through the program, where would you put National Debt Relief from a one to a five, a five would mean you would definitely recommend signing up to their service, a one means you're very dissatisfied? TRACY: I would say 5. Nocona: Is it okay if we share your comments as a review on our public website to help people that are considering debt relief programs? TRACY: As long as you don't use my last name. Nocona: Yup. We don't publish last names. It just goes out with a first name. So it would just be under 'Tracy' if that's okay. TRACY: Yes, that's fine. Nocona: I have farney7218@gmail.com. Is that the right address for you? TRACY: Yes, it is.

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