Extra payments are what turn a plan into progress. They don't have to be big; consistency matters more.
Places to look
- Cancel unused subscriptions and memberships
- Shop your insurance, phone and internet once a year
- Cook more, eat out less, and plan meals
- Sell things you don't use
- Put tax refunds, bonuses and raises toward debt
- A temporary side income with a clear end date
Protect the plan
Keep a small emergency fund while you pay off debt, so a surprise doesn't go straight back on a card.
General educational information, not financial or legal advice. Nickel Keepers isn't paid by any lender, card company or debt relief company.