This 21-Day Challenge is Perfect For People With $5K or More in Credit Card Debt (2024)

If you have credit card debt,you know. The high interest rates, the constant anxiety, the feeling you’ll never escape…

But today’s the day that’s all going to change. It’s time to finally pay off your credit card debt and live your life with a little less money stress by committing to this 21-day debt payoff challenge.

You ready? Follow these steps to finally conquer your credit card debt:

Day 1:Stop Paying Your Credit Card Company

If you have credit card debt, you know. The anxiety, the interest rates, the fear you’re never going to escape…

And the truth is, your credit card company doesn’t really care. It’s just getting rich by ripping you off with high interest rates — some up to 36%. But a website called AmOne wants to help.

If you owe your credit card companies $100,000 or less, AmOne will match you with a low-interest loan you can use to pay off every single one of your balances.

The benefit? You’ll be left with one bill to pay each month. And because personal loans have lower interest rates (AmOne rates start at 6.40% APR), you’ll get out of debt that much faster. Plus: No credit card payment this month.

You don’t need a perfect credit score to get a loan — and comparing your options won’t affect your score at all. Plus, AmOne keeps your information confidential and secure, which is probably why after 20 years in business, it still has an A+ rating with the Better Business Bureau.

It takes less than a minute and just 10 questions to see what loans you qualify for — you don’t even need to enter your Social Security number. You do need to give AmOne a real phone number in order to qualify, but don’t worry — they won’t spam you with phone calls.

Day 2: Get Paid to Play Bingo

There’s a free app calledBingo Cashthat pays you up to $80 every time you win bingo. That’s money that can go right towards your credit card debt!

The game is based on a classic Bingo format — plus tons of variations on the game. You’ll battle it out against other players at your same skill level. Everyone gets the same board and sees the same Bingo balls, so winning is totally a matter of skill. The top three players in a game can win real money — anywhere from $1 to $80.

Over on the App Store, it has a 4.7-star rating (out of 5).

To get started, justdownload the free appand start playing your first game immediately.

Day 3: Cancel Your Car Insurance

Here’s the thing: your current car insurance company is probably overcharging you. But don’t waste your time hopping around to different insurance companies looking for a better deal.

Use a website called EverQuote to see all your options at once.

EverQuote is the largest online marketplace for insurance in the US, so you’ll get the top options from more than 175 different carriers handed right to you.

Take a couple of minutes to answer some questions about yourself and your driving record. With this information, EverQuote will be able to give you the top recommendations for car insurance. In just a few minutes, you could save up to $610 a year.

Day 4: Get a Free $83 for Winning a Game of Solitaire

Lots of us already play Solitaire on our phones for fun or just to pass the time. Want to see if you can win money at it?

There’s a free app calledSolitaire Cashthat pays up to $83 per win — that’s an extra credit card payment!

You might be thinking: There’s got to be a catch. This is definitely one of those spammy apps, right?

Wrong. There really isn’t a catch. Most of the games are free, but cash players can join higher-stakes tournaments for bigger cash prizes. But there’s no pressure — there aren’t even any annoying ads.

With each game, you’ll battle it out against at least five other players. Everyone gets the same deck, so winning is totally a matter of skill. The top three players who solve the deck fastest can win real money — anywhere from $1 to $83.

Over on the App Store, it has over a million downloads and more than 15,000 ratings, averaging 4.7 stars (out of 5).

To get started, justdownload the free appand start playing your first game immediately.

Day 5: See If Your Credit Card Company Madea Mistake

Did you know that one out of five credit reports has an error on it?

That’s right. Your credit card company could be ripping you off by reporting the wrong balance or payment history.

Thankfully, a website calledCredit Sesamewill help you get an updated credit score and detect any errors — for free. If you find any, it will even help you dispute them with your creditors.

Want to check for yourself? It only takes about 90 seconds toget your free credit scoreand fix any errors your credit card company is making.

Days 6-8: Build a Sustainable Budget

Now it’s time to build yourself a budget. We’re giving you two days for this because we get it: This can be overwhelming.

Oh, yes, we hear your groaning from here, but budgeting is an integral part to paying off your credit card debt, and it’ll help you accomplish your financial goals. Plus, it doesn’t have to bethatdifficult.

We suggest using the 50/20/30 budgeting method. It’s easy and offers a lot of flexibility. Here’s what it looks like:

• 50% of your monthly income goes toward living expenses. These include rent, mortgage, utilities, groceries, car payments, gas and loan payments.
• 20% of your monthly income goes toward money goals, which can include investments, savings and debt-reduction payments above the minimum amount.
• 30% of your monthly income goes toward personal spending. That’s everything else.

Because you want to pay off your credit card debt, you’ll want to focus on building your minimum payments into that 50% category. Then any additional efforts will get wrapped into the money goals category.

If you’re struggling to make your expenses fit perfectly into each category, feel free to adjust the proportions. Like we said, this is super flexible, so use it to suit your needs and hit your goals.

Day 9:Add $225 to Your Wallet While Watching the News

It’s been a historic year in the news, and we’re all constantly refreshing for the latest updates. You probably know more than one news-junkie who fancies themselves a constitutional scholar or a foreign policy expert.

That might not be the best news for your dinner conversations — but it’s great news for your wallet. You could add up to $225 a month to your pocket by signing up for a free account with InboxDollars. They’ll present you with short surveys to choose from every day, which you can fill out while you watch tonight’s broadcast.

You just have to answer honestly, and InboxDollars will continue to pay you every month. This might sound too good to be true, but it’s already paid its users more than $56 million.

It takes about one minute to sign up, and start getting paid while you watch the news.

Days 10-16: Commit to a “No Spend” Challenge

You’re making good progress so far! Now it’s time to really pour fuel on this fire by committing to a week of no spending.

That means you won’t spend any money on nonessentials this next week. Definitely still pay rent, your utilities — all those responsible grown-up bills — but don’t spend anything on entertainment, clothes or dining out.

Yes, this will be difficult, and you will face temptations. But this is a great way to reset your spending habits and save up some extra money to put toward your debt.

If you’re feelingreallyambitious, you can go for a full month, like personal finance writer Jamie Cattanach. She committed to a No Spend November, to help tame some of her holiday spending. When Cattanach finished her challenge, she saved more than $600. Not bad, right?

Days 17-20:Let This App Pay You up to $83/Win When You Play Games on Your Phone

Lots of us already play games on our phones for fun or just to pass the time. Want to see if you can win money at it?

There’s a free iPhone app called Bubble Cash that lets you play for real money. You could get paid up to $83 per win.

You might be thinking: There’s got to be a catch. Wrong. There really isn’t. Most of the games are free, but cash players can join higher-stakes tournaments for bigger cash prizes. But there’s no pressure — there aren’t even any annoying ads.

The game is based on a classic bubble-shooter format, and you’ll battle it out against other players within your skill level to see who can clear the board fastest. Everyone gets the same layout, so winning is totally a matter of skill. The top three players who clear their board fastest can win real money — anywhere from $1 to $83.

Over on the App Store, it has more than a million downloads and more than 12,500 ratings, averaging 4.6 stars (out of 5).

To get started, just download the free app and start playing your first game immediately.

Day 21:Get Paid Up to $140/Month Just for Sharing Your Honest Opinion

It sounds strange, but brands want to hear your opinion. It helps them make business decisions, so they’re willing to pay you for it — up to $140 a month.

A free site called Branded Surveys will pay you up to $5 per survey for sharing your thoughts with their brand partners. Taking three quick surveys a day could earn up to $140 each month.

It takes just a minute to create a free account and start getting paid to speak your mind. Most surveys take five to 15 minutes, and you can check how long they’ll take ahead of time.

And you don’t need to build up tons of money to cash out, either — once you earn $5, you can cash out via PayPal, your bank account, a gift card or Amazon. You’ll get paid within 48 hours of your payout being processed, just for sharing your opinions.

They’ve already paid users more than $20 million since 2012, and the most active users can earn a few hundred dollars a month. Plus, they’ve got an “excellent” rating on Trustpilot.

It takes just a minute to set up your account and start getting paid to take surveys. Plus, right now, you’ll get a free 100-point welcome bonus just for becoming part of the community.