Make Money

7 Things To Do If Your Full-Time Job Isn't Enough To Pay Off Debt

Last updated Oct. 22, 2025 | By FinanceBuzz Editors

Quick ways to earn cash without a second job

  1. Give plasma: You can typically make anywhere from $30-$70 each time you give, with some centers offering new donor bonuses as high as $700 for the first month. Plus, you can go as often as twice a week.
  2. Sell your stuff online: You can sell just about anything on Facebook Marketplace with relative ease. From clothing to furniture to kitchenware, if you have stuff just taking up space, see what you could earn listing it online.
  3. Use money-earning apps: Take surveys, test games, upload your shopping receipts … the list goes on. There are a ton of apps that offer rewards and cash for various simple tasks. In fact, you’ll find some options in this list.
  4. Sell unused gift cards: Seriously. If you have gift cards lying around, you could sell them for up to 92% of their value with sites like CardCash.

See if your credit card debt is eligible for this debt relief program

If you have a lot of debt, getting out of it can feel stressful (and nearly impossible). Here’s the problem: the longer you put off tackling it, the harder it may get to fix. If you don’t take control of it early on, it can add undue stress to your life for years. But what if there was a way to get out of debt once and for all?

National Debt Relief can help. If you have more than $30,000 in debt from credit cards, medical bills, collections, or personal loans, their certified debt specialists may be able to help you resolve your debt for less than you owe — with one low monthly program payment.

Best of all? There are zero upfront fees, and you could be debt-free in 12-48 months. To get started, just answer a few simple questions and get connected with a caring debt specialist. The consultation is completely free and only takes a few minutes to see if you qualify!1

See if your $30k+ in credit card debt is eligible for National Debt Relief

Stop getting ripped off by credit card companies

If you have credit card debt, you know that paying your bill each month is anxiety-inducing … and sometimes close to impossible with what you have in the bank.

If that’s you, a company called LendingTree2wants to help.They can match you with loan providers that could help you pay off your debt quickly.

Think about it this way: For example, $25,000 in credit card debt at 25% APR will cost you $518.83 every single month in interest alone. But, with a rate as low as 6.99% APR (possible through LendingTree’s lenders), you’d only pay $144.03 interest.

That’s over $350 a month you’d get to keep for yourself in this scenario! Even better, you don’t need a perfect credit score, and checking for loans won’t affect your credit.

Truthfully, this company exists to help you get ahead in life. They have a 4.5/5 rating on TrustPilot with more than 15,000 verified reviews, and you can see your options in a matter of minutes. It’s certainly worth a shot if you’re feeling suffocated by debt.

See if your $25K+ credit card debt is eligible for options with LendingTree

Ohio Driver? Cancel your car insurance

Driving without car insurance is illegal, but if you do this, you’re not actually breaking the law.

This tool can help you see if you’re overpaying for car insurance in just a few clicks. You’d be shocked by the difference. $159 per month is what they wanted to charge me. I thought that was the best price, don’t even look anywhere else. Right? Wrong.

I used this tool and now I’m able to pay just $47 a month for two cars.3Too many insurance companies do this. They push up our rates and make us pay even more. But if you want to try this tool and compare and potentially score same-day savings, here’s what to do:

  1. Click the link below and enter your zip code, date of birth, and phone number.
  2. Answer a few questions about your car’s make and model to get matched with top offers.
  3. Choose the best quote for you and lock it in before rates go up.

Compare rates now and see if you could score same-day savings today!

I can hardly believe I waited so long to do this, but I’m glad I finally did. It only took me two minutes. Super fast. You have to trust me on this. Just try it out.

Find creative ways to earn cash during your free time

  1. Thrift and flip: Head to local thrift stores, estate sales, or pursue free listings online. With a little skill and elbow grease, you could repurpose old furniture and other goods and sell them locally or online.
  2. Do work for older neighbors or family: From mowing the lawn to helping replace light bulbs, chances are there is someone nearby who could use your help. Beyond making a few extra bucks, they are sure to love the company.
  3. Haul large items with your truck: If you drive a pickup, you could advertise haul-away or large item delivery services in your area on sites like Craigslist.
  4. Pick up photography: You don’t need to have an official business or work weddings for this side gig. Head out to festivals, nightclubs, or popular areas in your city and offer to take people’s photos. Then airdrop or email the photos of your subjects for a small fee.

Pay no interest on balance transfers until 2027

Imagine getting an intro 0% APR for 21 months from date of account opening on balance transfers (APR then 16.99% - 27.74% (Variable)). Sounds great — right? You could dramatically change your financial picture with this industry-leading low-interest card - the Citi® Diamond Preferred® Card.

If you want to kick high-interest credit card debt to the curb, this is one of the leading get-out-of-debt cards available. Transfer your high interest debt to this card with a 0% intro APR on balance transfers for 21 months from date of account opening, then a 16.99% - 27.74% (Variable) APR (balance transfers must be completed within 4 months of account opening). Your payments can go directly to paying down your balance without incurring a pile of additional charges. That could save you hundreds of dollars in interest!

It doesn't just stop with balance transfers, though. Cardholders also get a generous intro APR of 0% for 12 months from date of account opening on purchases. After the intro period for purchases and balance transfers, the APR is 16.99% - 27.74% (Variable).

The best part? There's no annual fee with the Citi® Diamond Preferred® Card(Rates and fees).

Click here to Apply Now to the Citi® Diamond Preferred® Card

Pick up gig work from a trusted website

  1. Deliver packages with Amazon Flex: Use your own vehicle to deliver Amazon packages during your off-hours. According to Amazon, most drivers can earn between $18-$25 an hour.
  2. Do odd jobs on Taskrabbit: Sign up to be a tasker, and choose small jobs in your area in over 50+ service categories. You get to keep 100% of what you chargem, plus tips. Tasks can include moving furniture, running errands, IKEA assembly, and more.
  3. Pick up freelance microtasks: Check out a freelance platform like Upwork and look for postings for simple tasks like data entry, proofreading, image tagging, and more.
  4. Event staffing: You could pick up work for events like weddings, business conferences, or festivals. Just do a quick internet search for companies in your area. Beyond pay, some people report scoring added perks like free food for their time.

Turn your home’s value into extra cash

If you want to pay a large expense now, like a home improvement project or credit card debt, you may have considered using your home equity as leverage to borrow a large sum of money.

But with interest rates rising in recent years, a cash-out refinance or home equity loan may not make financial sense.

Here’s a potential solution: Get a home equity line of credit (HELOC) instead.

Using LendingTree’s simple HELOC matching tool2 (yes, the company from the commercials), you can compare rates and see what works for you.

How a home equity line of credit is different: Your line of credit acts similar to a credit card, where you can withdraw funds when you need them, and you’re only responsible for minimum monthly payments for what’s called the “draw period,” which is usually 10 years. After this borrowing period ends, you pay off the rest of your balance during an extended repayment period, which is usually 20 years.

Plus, as a revolving line of credit, rates are usually variable, so you won’t be locked into a fixed rate if they ever go lower.

To get started:

  1. Check out LendingTree’s HELOC matching tool.
  2. Answer a few questions.
  3. Be matched with personalized offers for you.

Visit LendingTree

Don’t pay a CENT to contractors for home repairs until you do this

Sounds crazy. And maybe you’re not even sure if this is real. But … you’re probably curious anyway. Choice Home Warranty makes it so you might be able to save $100s in home repairs!

They’ve been around since 2008 (so you know they’re legit) and they offer affordable plans to cover appliances and systems in your home that could break down from routine wear and tear.

Think of it like this: Say your air conditioning unit breaks down during a heatwave. Instead of paying $1,500 for repairs, you may only need to pay a $100 service fee with Choice Home Warranty, and their techs come and fix it ASAP. This could save you $1,400 almost instantly!

Choose a plan here and you can still lock in their ultra-low 2025 rates (for a limited time). Then, whenever a covered system in your home breaks down, all you have to do is make your claim online or give them a call. Their team is available 24 hours a day, 7 days a week.4

Choose a plan from Choice Home Warranty here and lock in 2025 rates

P.S. Use the links above and you’ll get $50 off and 1 month free. We don’t know how long this will last, so take advantage of it today before it disappears.

Set up direct deposit - pocket $300

If you aren't banking with SoFi®, you're missing out on a huge boost of extra cash just by following a few simple steps.

Earn a bonus of $50 or $3005when you open a SoFi Checking and Savings account and make an eligible direct deposit within the first 25 calendar days of the promotional period. Eligible direct deposits totaling $1,000-$4,999 unlock the $50 bonus, and $5,000 or more unlock the $300 bonus.5Easy.

This is practically passive income and a great way to supercharge your earnings. It basically takes no extra work at all other than following the steps above. Plus, your new account could earn up to an insane 4.50% APY6on savings (3.80% APY standard + 0.70% APY boost for six months) on top of the bonus.

Open your account and earn up to a $300 bonus

Get up to $500,000 from your home equity with NO additional monthly payments

If you want cash from your home’s equity but don’t want a HELOC, hear me out. This company we found is doing something amazing. They let you access your equity without additional monthly payments.

It’s called Splitero and they give you cash today for a share of your home's future value. It’s a Home Equity Agreement (HEA) not a HELOC. There’s no monthly payments, and NO income requirements.

Instead, you repurchase your investment with a portion of your home’s future value when you sell, refinance, or reach the end of the agreement. That means you keep your existing low-rate mortgage and access cash now!

You might be eligible if you check these 4 boxes:

  1. You own your home.
  2. You’ve built some equity.
  3. Your credit score is 600+.
  4. You can provide documents like your mortgage statement, ID, and proof of equity.

Enter your home address here to pre-qualify in less than 2 minutes

Bonus: Win up to $500 playing casino-style games on your phone

This won’t make you rich by the weekend. But Crown Coins Casino could help you win extra cash prizes — up to $500! — while you sit back and play casino-style games.

Playing is deceptively easy (and addicting) and there are a ton of different themes and game styles. And yes, there’s real prizes up for grabs … every time you win.

It’s free to sign up and there are ZERO annoying ads. And instead of playing with real money, you use virtual currency — but that doesn’t mean you can’t win real cash prizes.

BONUS: Buy the special starter pack of Crown Coins for $23.99, and you’ll get free 1,300,000 FREE Sweeps Coins that can win real cash prizes — that’s 170% more!

Like I said, it probably won’t make you rich. But it might just give you the cash prize boost you’re looking for without doing much work at all.7Join today, earn real cash prizes, and cash out any time via Skrill or bank transfer. Easy.

Play Crown Coins Casino now

National Debt Relief
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National Debt Relief Benefits
  • No upfront fees1
  • One-on-one evaluation with a Certified Debt Specialist
  • For people with $30,000 in unsecured debts and up
Visit National Debt Relief